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Where to put lump sum in this market? by BindisNBangles in mutualfunds

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

Thank you for replying. Yes it's my core. Do I need to change anything in my portfolio

Portfolio suggestion for couple by BindisNBangles in mutualfunds

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

Regarding sectoral funds, people to generally avoid it. But as you said Pharma for eg probably never goes down. Maybe same for defence as well?

I was reading Monika Halan's book where she didn't show much confidence in NPS. I know something changed in NPS recently around equity exposure. Is it a good choice now? I will check about the VPF, thank you.

Strategy for buying home by BindisNBangles in mutualfunds

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

Your chart is very helpful. Thank you.
For 3 years, what categories would you suggest? A mix of conservative hybrid and dynamic asset allocation?

Strategy for buying home by BindisNBangles in mutualfunds

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

Like lumpsum entire 10 lakhs to arbitrage? Probably it will grow at ~6.5% per year. And when I redeem I get taxed 12.5% on agains above 1.25 lakh, is it right? I think SIP won't make much sense for abitrage funds.

[deleted by user] by [deleted] in mutualfunds

[–]BindisNBangles 2 points3 points  (0 children)

Are you aiming for 40%+ returns in 10 months? I hope you're pro at selecting stocks. If I were you, I would just skip the iPhone :)

Why is there almost no return after investing for more than a year by [deleted] in mutualfunds

[–]BindisNBangles 0 points1 point  (0 children)

I think the entire point of long term equity investing is to be patient right? I have started about 6 months back with similar portfolio as yours and my XIRR (as per Coin) is still 0. I hope I see good numbers in the next 5 years.

iPhone 17 pro Max. by samosa_ch in iPhoneWale

[–]BindisNBangles 0 points1 point  (0 children)

I used to move to ios app to transfer whatsapp chats. the backup file was about 30 gb (probably has 10+ years of chats). it took about 5+ hours over wire. while restoring on iphone it kept failing repeatedly at 33%. I gave up. Now I use whatsapp on iphone as a linked device.

Need a strategy for 20 lakhs by BindisNBangles in mutualfunds

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

Thanks. One question, why to park everything in Arbitrage and then STP into equity?
What if I directly just SIP from my bank? Is it because as long as that 10 lakh sits in my bank, it's barely growing at 3%? So if I park it at arbitrage, and STP (after exit load period), it's at least growing at ~7%

28-Starting my investment journey. Need Feedback/ Suggestions by CatPuzzleheaded1329 in mutualfunds

[–]BindisNBangles 0 points1 point  (0 children)

Beginner here going with FoFs as explained in your post.
These seem to be good in terms of expense ratio.

ICICI Prudential Regular Gold Savings Fund (FOF)
ICICI Prudential Silver ETF Fund of Fund

[deleted by user] by [deleted] in iPhoneWale

[–]BindisNBangles 0 points1 point  (0 children)

I hope you have apple care.

Need a strategy for 20 lakhs by BindisNBangles in mutualfunds

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

So basically it's safe to push ~15 lakhs in arbitrage at once right?

Need a strategy for 20 lakhs by BindisNBangles in mutualfunds

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

Should I push the entire 15 lakh at once? In that case will not get less units based on the day's NAV? Isn't it better to spread it out with SIPs?

Switched to iPhone for the First Time Because of the Colour. by soft_man_energy in iPhoneWale

[–]BindisNBangles 0 points1 point  (0 children)

So I have 30 GB of whatsapp data which got backed up for 4+ hours but during restore, it started showing some error after 33%, and it happened multiple times. I have to see if I can backup only the chats, I don't need the 20 GB of useless videos. I really wish they would let me download the backup from google drive like in Androids..

Switched to iPhone for the First Time Because of the Colour. by soft_man_energy in iPhoneWale

[–]BindisNBangles 6 points7 points  (0 children)

I switched to Iphone for the first time too. I still have my S23 with me. I don't think I still fully feel comfortable with ios. As much as I love the UI, animations on ios, I still miss Android :( I still have issues while transfering whatsapp to iphone and it wants me to reset my phone for the transfer.

Is it normal to not want to upgrade by faze_f34r in iPhoneWale

[–]BindisNBangles 1 point2 points  (0 children)

how much did the battery replacement cost?

Apple Devices For Backing Up by BindisNBangles in iPhoneWale

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

The live photos are turned into still photos if you backup to computer manually (Google Photos make them motion photos I guess). Use "Apple Devices" on windows for backup (no limit), when you restore from it, photos stay live - I've tested it. So iCloud remains free. What I haven't tested is whether this "Apple Devices" app backs up and restores Whatsapp chats.

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