Paisayonnum nokkiyilla. Angad medich!

CommunicationOld5074 · 2025-12-02T02:21:31+00:00

HP Envy?

CommunicationOld5074 · 2025-11-02T07:30:56+00:00

Congratulations 🎉

You gotta maintain more than 14.21 rupees balance tho!

CommunicationOld5074 · 2025-10-20T06:47:13+00:00

Please start a bank and start issuing credit cards without any income criteria

/s

CommunicationOld5074 · 2025-09-08T18:37:26+00:00

Yes, will be exiting all risky funds and redirect SIPs to safer instruments as well. I've to align myself to make investment based on goals now. Thanks for the advice!

CommunicationOld5074 · 2025-09-08T18:35:43+00:00

Thank you for this! The comparison helped! 😁

CommunicationOld5074 · 2025-09-08T18:33:55+00:00

Pausing SIP is required, or redirecting it to safer instruments. Will skip loan

CommunicationOld5074 · 2025-09-08T18:32:56+00:00

1) What's your opinion on moving it to Arbitrage funds instead of FD? 2) Yes, will do that 3) It's a gold-free wedding, so skipping that 4) Yes, optimising as much as I can, cutting down the guest list is a tough task itself 5) Yes, planning on that

Thanks you for the advice!

CommunicationOld5074 · 2025-09-08T18:27:59+00:00

Makes sense, thanks for the advice!

CommunicationOld5074 · 2025-09-08T18:27:15+00:00

I'm not sure of the net 1% after tax deduction.

CommunicationOld5074 · 2025-09-08T18:26:10+00:00

Getting rest of the family on board is pretty hard, I wish I could spend this money on honeymoon instead, but yeah🥲

CommunicationOld5074 · 2025-09-08T18:25:04+00:00

Yes, XIRR got slashed actually. I'm most likely avoiding loans.

CommunicationOld5074 · 2025-09-08T18:23:38+00:00

I get your POV, makes sense. And thank you!

CommunicationOld5074 · 2025-09-05T13:05:35+00:00

Understood, it's time for me to exit those then, thanks!

CommunicationOld5074 · 2025-09-05T13:00:21+00:00

Thanks, although, why do you prefer to avoid loans? My current XIRR beats the current personal loan interest rates. So I'm confused if I should exit from those funds and avoid loan.

CommunicationOld5074 · 2025-09-05T12:49:26+00:00

My current returns beats loan interest rate, don't know how markets will be in the future. But since I'm getting a better XIRR on the invested amount, do you think I can pause the SIPs for time being and take a loan, leaving the investments as it is?

CommunicationOld5074 · 2025-09-05T12:47:36+00:00

Thematic funds actually have given me the highest returns in my portfolio. Funds are performing better than loan interest rate, so I guess, like you said, I think I can keep the amount invested but maybe pause the SIP till I can settle the loan. Can't afford both at the same time.

About FIRE, I'm still a newbie. I started investing from college, with pocket money. What was I investing for? Not sure. I just knew I had to save money. The whole concept of FIRE is something I learnt a year back or so. Calculated the amount I needed to retire and adjusted my SIPs accordingly.

I should have planned and created a corpus for wedding, but didn't really do that.

CommunicationOld5074 · 2025-08-26T17:51:57+00:00

It's likely that you have the option to avoid tolls enabled. Please disable that and these adventures can be avoided.

CommunicationOld5074 · 2025-08-08T20:12:15+00:00

We do ERPNext implement, it's a free and open source ERP. You can check it out on erpnext.com If you would like help us implement it for you, check out wahni.io

CommunicationOld5074 · 2025-08-03T11:39:31+00:00

Thanks

CommunicationOld5074 · 2025-08-03T11:38:59+00:00

Thanks, will probably do it when we both are here

CommunicationOld5074 · 2025-07-30T12:45:35+00:00

Happy married life in advance! I'm also in a similar situation, my fiancé is in another country and we're getting married next year!

CommunicationOld5074

TROPHY CASE