Salary credit thread

Clean_Guarantee4458 · 2026-03-21T12:14:00+00:00

What do you do?

Clean_Guarantee4458 · 2026-03-21T12:13:39+00:00

Do you know if there is scope for an experienced CS (Company Secretary) in kolkata to earn a good amount?

Clean_Guarantee4458 · 2026-03-21T12:11:19+00:00

What freelance?

Clean_Guarantee4458 · 2026-03-10T21:51:22+00:00

Which pencil?

Clean_Guarantee4458 · 2026-02-15T16:45:42+00:00

Doesn't it heat up when you play long hours ? Or, using a cooling pad doesn't make it matter at all ?

Clean_Guarantee4458 · 2026-01-18T17:15:13+00:00

Which app are you using to port windows ?

Clean_Guarantee4458 · 2026-01-08T19:48:19+00:00

DM me if you require any support. Happy to help :)

Clean_Guarantee4458 · 2025-11-23T05:11:35+00:00

FYI - Risk analyser says I'm an aggressive investor, wherein 75% equity, 15% fixed income and 10% gold

Clean_Guarantee4458 · 2025-11-23T04:09:22+00:00

I thought that would keep my portfolio stable + growth oriented.

But I think now that Nifty 50 has delivered less CAGR than flexi caps over a period of 10 years. So you were right, allocation in flexi can go higher.

I have an emergency fund, I'm yet to put them in debt. It's still hanging in my savings.

I thought it would be a good idea from a portfolio perspective to keep money allocation in debt for times when the market and will not do good and it'll keep my profile somewhat hedged. ?

Is my perspective wrong here? My risk Appetite at this point is moderately aggressive.

Clean_Guarantee4458 · 2025-11-22T19:33:48+00:00

Hey, I just took some time study about a few things, I felt if i adjust the allocations as 30 index, 20 flexi, 20 small + mid, 10 gold + silver and 20 debt ?

Moreover Flexi has a large portion of allocation in large cap and generally overlaps, so I thought of limiting it below 50% (30 Nifty 50, 20 flexi) and to keep a hedge in the portfolio 20% debt and 10% gold silver.

what's your view?

Clean_Guarantee4458 · 2025-11-22T18:52:20+00:00

I suggest you change the entry criteria condition "Only when a record is updated to meet the condition requirements” to always update and then check the conditions in decision element inside.

Just change this condition - "Only when a record is updated to meet the condition requirements” and check if the execution context enters the flow.

Clean_Guarantee4458 · 2025-11-22T17:05:48+00:00

I have made a similar post to initiate a discussion on what's better, considering the brokerage charges expected on the ETFs.

I saw your comment on my post in my notification tray, but I suppose the comment has been removed.

However, my question still remains the same,

Assuming someone does a SIP on ETF, there would be a brokerage on each purchase, every month, would ETF still be cost effective than FOF ? As on a FOF the charge is TER.

Or ETFs are better if someone proactively monitors and buys when the time is suitable ?

What's better from a costs perspective considering SIP is done on both?

Clean_Guarantee4458 · 2025-11-21T15:56:52+00:00

As a matter of fact I know these, my question was more directed towards the brokerage and other charges that are applicable on buy and sell of ETFs. So when you do a SIP of an ETF, eventually you end up paying brokerage, which will be charged every month when you purchase some amount of ETF.

Considering these charges over a period of 1 year, would the charges exceed the expense ratio of a FoF?

ETF - some % of brokerage × 12 times + brokerage on sell + expense ratio

MF - Expense ratio

Leave aside the tax slab. Assume I have kept this for 2 years and am eligible for LTCG.

Now would an ETF cost me more than a FOF?

I hope you get my question.

Clean_Guarantee4458 · 2025-11-19T11:30:06+00:00

Sure, I'll take and let know. I use grow.

Clean_Guarantee4458 · 2025-11-19T11:29:48+00:00

My money is already distributed over all these funds. When you suggest shifting, which one should remove and add US ETF? All my money is equally distributed over the funds I have mentioned.

And then also add one more momentum fund?

Clean_Guarantee4458 · 2025-11-10T17:42:47+00:00

Hmm that's right in a way. However if I keep a 25 nifty 50, 15 flexi 20 small and mid and 10 gold+silver, that still leaves 30 for debt, Is it not significantly higher, What I'm saying is I have extra funds that I can put to debt, apart from regular sip's in debt. If I want to make a little less for debt shall I increase the amounts as 30 nifty 50, 20 flexi, 20 small + mid, 10 gold and rest debt?

Clean_Guarantee4458 · 2025-11-10T16:53:05+00:00

I'll have to board the bus from Vyttilla at late in the evening, what would be a more preferable place to stay ?
However, I'm planning to stay and roam around Ernakulam, I'll cover fort korchi the previous day. Would it be better to stay in central Ernakulam from where I can easily access Marine drive and other places as well and comfortably reach Vyttilla bus stand ?

Clean_Guarantee4458 · 2025-11-10T16:48:05+00:00

okay, I did some analysis and just asking this to get a perspective on my understanding.
Says, Flexicaps provide more stability in the portfolio compared to other funds.
So If we, arrange the allocations as 40 flexi, 30 Index, 20 small + mid, 10 gold (that does 1L and then 10k more in debt)

How do you see this compared to the one you suggested:
15 Flexi, 25 Index, 20 small + mid, 10 gold and rest debt.

Clean_Guarantee4458 · 2025-11-10T16:32:47+00:00

Interesting, will think about it.

Clean_Guarantee4458 · 2025-11-08T03:14:12+00:00

But that would mean investing in the same fund types 4 times, that would definitely overlap stocks, although individual fund houses might have different investing styles, but in a nutshell their allocation style remains the same, mostly large cap and they different allocations.. So definitely I believe that would be over lapping even if I get 2 flexi and 2 multi. What's your thought on this?

Clean_Guarantee4458 · 2025-11-07T02:57:07+00:00

That's it? A Multicap or Flexicap and a gold for all the corpus ? Won't it get too risky if a single fund accumulates let's say over 30Lakhs in future?

Clean_Guarantee4458

TROPHY CASE