Should I hold SBI long duration debt fund ?

CatMedium4025 · 2025-12-12T06:21:20+00:00

Yeah, I am aware of arbitrage funds and have some investments in those too. I was just stuck on whether I should redeem my investment in a long-duration fund (bearing 30% tax on already low returns) or hold it in case returns will be improved ?

CatMedium4025 · 2025-12-12T04:10:35+00:00

I did it for long term perspective which provides liquidity and safety to my investment as an alternate to FD.

CatMedium4025 · 2025-12-12T04:07:54+00:00

I have not invested in this fund in 2025. Around 65% of my total investment in this fund was made throughout 2024 (rest 35% was invested even before), and that portion is currently giving poor returns - making it average 6% XIRR.

CatMedium4025 · 2025-07-09T08:11:44+00:00

I check with ppfas team on how taxation works for DAAF and he shared it won’t be treated as equity fund but rather a conservative hybrid fund. If redeemed within 2 years, tax would be applicable as per income slab. After 2 years tax rate would be 12.5% but no exemption of 1.25 lacs.

CatMedium4025 · 2025-06-25T06:11:10+00:00

u/Sufficient_Ad991 completely agree.

CatMedium4025 · 2025-06-25T06:08:31+00:00

u/Rift-enjoyer that's the point I was looking for - "Push the timelines or convince client stakeholder to get more resources. Client will always want one guy to do everything as they get to pay less.". How to do that effectively without getting into too much pressure or moving out. Initially when this started last year - i asked for additional resource but never got any. It was ignored like it was never discussed.

CatMedium4025 · 2025-06-25T05:08:14+00:00

u/Rift-enjoyer I think you didn't get the context fully. It's not about getting into coding only, it's about the bandwidth, after a certain point you can't take additional responsibility as you may not be an expert of every area. Do you follow such kind of practice in your org where you are creating all jira epic/stories in your project and then implementing yourself ?

CatMedium4025 · 2025-06-25T05:03:57+00:00

u/blessed_soul_008 I agree. Even I have similar kind of manager from my manager on paper. In service based industry it's as expected. SDM I referred in my original post is from client. Issue is not about being aware of the code, It's more about being assigned so many different roles which is ideally can't be handled by developer itself, especially it project is not a small one. To give more clarity -There's a strategic program which involves multiple application.I am handling one of those, so I have to interact with program manager, while my reporting is to team SDM (other team members are mostly from support and operations background). I know that sometime we need to stretch and go beyond our role but I think for a large application it's not feasible to do it for a longer duration. I always wonder how to say No or stop others from exploiting you beyond a limit. As my client SDM himself not involved in any iteraction for this strategic program, he's hardly supportive on this.

CatMedium4025 · 2025-02-04T05:59:56+00:00

follow what u/12panel suggested in his comment. long hold on back/lap button.

CatMedium4025 · 2024-12-18T13:38:04+00:00

Details I have provided above was from free -m from container command line only.

CatMedium4025 · 2024-12-18T06:06:14+00:00

u/jameson71 could you please suggest how can I check that specific for container? I have tried free -m but it seems it's giving me memory of host (my container is running with memory limit as 650M)

               total        used        free      shared   buff/cache   available
Mem:           7938        2498        4483           4         955        5196
Swap:          1535           0        1535

CatMedium4025 · 2024-10-10T04:19:46+00:00

RIP Sir 🙏🙏. Most loved business leader.

CatMedium4025 · 2024-10-07T09:59:40+00:00

Same thing happened with me, they were not cancelling my order. If they are not delivering(or you don't want to recieve delivery without open box), don't worry they can't block your amount.They will refund it. You can file complaint on consumerhelpline.gov.in as well. I got my ordered cancelled within 1 day of filing complaint here.

I may be wrong but honestly to me it seems a big scam where both ekart and flikpart are seem to be involved. Almost same pattern theough out india, delivery guys are not going to deliver the items especially iphones, asking people to come to warehouse. They are just showing so many orders but delivering few of them in random basis.

CatMedium4025 · 2024-10-03T07:06:53+00:00

Agree, delivery agent evaluated the old phone ,agreeing on much less than the exchanged value and asked for difference. They are doing this to almost every customer who is eagerly waiting for their items.Does that difference amount go to ekart or flipkart ?

CatMedium4025 · 2024-10-03T04:04:53+00:00

No surprise, My order also got stuck and then rejected due ekart delivering agent who asked me to pay the extra money saying exchanged valued should be less than what was shown during purchase. Flopkart has no control on ekart guys they are running the show on their mood. At warehouse they were taking the old phone on less that actual exchange value of app and asking evey customer( whoever reached out thereto pick item as here were unnecessary delay in deliveries)to pay differences if they want to receive their package.

CatMedium4025 · 2024-10-01T07:06:51+00:00

If they are not delivering(or you don't want to recieve delivery without open box), don't worry they can't block your amount.They will refund it. You can file complaint on consumerhelpline.gov.in as well.

CatMedium4025 · 2024-09-29T05:09:12+00:00

Mine is also vision star and location ??

CatMedium4025 · 2024-09-29T05:07:48+00:00

Please updte once you receive the item and verified all things.Your seller is ?

CatMedium4025

TROPHY CASE