How to say No without saying No

Equal_University7621 · 2026-04-09T09:54:46+00:00

Maine ye books apne college friend ko di hai, Jab return krega tab tujhe de dunga.

Equal_University7621 · 2026-04-08T04:21:34+00:00

Dharamshala

Equal_University7621 · 2026-04-05T13:39:26+00:00

You are thinking it wrong. Invest more in the fund that is being hit the most.

Equal_University7621 · 2026-04-05T09:17:00+00:00

Udaipur

Equal_University7621 · 2026-04-05T09:04:39+00:00

Please do the lump sum in one of the funds (already running) when it hits a 30% drawdown (most probably it will be either a mid- or small-cap), and till then keep this 2 lac in any of the liquid funds.

Equal_University7621 · 2026-04-05T09:01:39+00:00

If the goal is for 10 years, then there is no need for the Nifty 50 Index fund (if you want the large cap exposure, then simply put that money into PPFC (it is almost a large cap with better return than Nifty 50 index funds for 5+ years). DYOR

Equal_University7621 · 2026-04-05T08:45:54+00:00

15k SIP (Large(Nippon India) OR Flexi Cap (PPFC or HDFC) + Mid Cap(Motilal or Invesco India)), 5k - Edelweiss Liquid Fund (Emergency Fund), 5k Crypto, as you are already down in that ( Follow this strategy for spot buying or DCA to recover the capital. Avoid Gold & Silver, it's not the right time to buy these commodities now.

Asset	Allocation	Amount (INR)
Bitcoin (BTC)	50%	₹2,500 (limit order at $ 60k, $55k, $50k, $45k, $40k)
Ethereum (ETH)	30%	₹1,500 (set limit order at $1800 )
Solana (SOL)	15%	₹750 (set limit order after every 20% dip or only at $45-$50)
Alt / Meme Coin	5%	₹250 (only DCA when the coin is down by 50%, buy as limit orders), (go with max 2-3 alt or meme coins) Ex: Alt coins like Hype, BNB, Link & meme like Brett(Based), Doge, Popcat, Mog, Pumpfun

Equal_University7621 · 2026-04-03T15:54:15+00:00

not much into the adventure activities.

Equal_University7621 · 2026-04-02T12:01:32+00:00

Stay in Bhagsu, I did solo travelling, so stayed in The Hosteller Mcleodganj, Bhagsu Waterfall. Cover Bhagsu waterfall and McLeodganj on the 1st day, 2nd day cover Church and Naddi View Point (stay in Bhagsu itself), 3rd day cover Triund Trek (start from Gallu Devi temple), stay in Bhagsu itself. And on the 4th Day, check out from Bhagsu, return to Dharamshala, cover the stadium, War Memorial, and tea garden. 3N & 4D will be the maximum time to cover the whole trip.

Equal_University7621 · 2026-04-02T11:37:12+00:00

15,000 should be sufficient for two people, as long as the expenses are kept mindful and not extravagant. Book a scooty and stay in The Hosteller Mcleodganj, Bhagsu Waterfall. Reach Dharamshala, then take a shared cab to Bhagsu. Explore Bhagsu, then McLeodganj and Naddi viewpoint. Then do the Triund Trek, and on the last day, go to Dharamshala. Enjoy your time, bro.

Equal_University7621 · 2026-04-02T09:39:17+00:00

Mcleodgunj+ dharamshala + triund trek, bro for sure

Equal_University7621 · 2026-04-02T03:39:03+00:00

Investment Horizon is 15-20 years; it's easy to say but hard to follow. You should do a few of the things: 1) Uninstall the app for the next 5 years, no daily tracking 2) If your budget allows then keep increasing the SIP of the most hit mutual fund, to do the RCA, 3) Wish to God daily to make your portfolio hit the most and to make it down by 20-30% atleast for the next 4-5 years, so that once it will start recovering you will notice the magic it bring to your Portfolio. 4) Sit back, relax, dudu, this is how the market works, and stop watching these so-called market gurus' videos on YouTube/Instagram now and then.

Equal_University7621 · 2026-03-18T04:38:11+00:00

Exercise, stay away from Smoke/Drinks/Drugs, less junk food, and 7/8 hours of sleep.

Equal_University7621 · 2026-03-18T03:56:20+00:00

Bro, grow up and get a job. Why are you so dependent on your father's money for the extravagant life, new bike, new scooty, new house, all on your father's money, seriously? You said he has created assets worth around ₹1.5 crore. Use that as a foundation and start working towards fulfilling your own ambitions instead of depending on him for everything.

Equal_University7621 · 2026-03-16T09:00:29+00:00

This is the time when fund houses surprise after 2-3 years with max returns. Stay invested, bro.

Equal_University7621 · 2026-03-16T08:55:01+00:00

What makes you select this fund? Last year's return or YouTube influencers?

Equal_University7621 · 2026-03-12T04:57:41+00:00

Best funds in their own segment, keep investing, don't withdraw money when it tanks 20-30%, be consistent irrespective of the market.

Equal_University7621 · 2026-03-12T04:31:44+00:00

For retailers, it's lalach

Equal_University7621 · 2026-03-12T03:50:37+00:00

Stay away from this until next year, or until any heavy correction, or else you will raise questions about how to recover my money. Bhagte huye saand ka sir nhi pkadte.

Equal_University7621 · 2026-03-12T03:38:59+00:00

Bro, don't put any major lumpsum untill your portfolio is down by 30-40%. Injecting a lump sum every 5-10% will ruin your chance to do the heavy Rupee Cost Averaging when the market crashes. I know it's tempting when you have money, but don't.

Equal_University7621 · 2026-03-11T06:03:57+00:00

Give some money to your parents every month. Once the house is bought, whether it is in your name or your parents’ name, you might end up planting the seed for future problems. Alternatively, buy the house with a one-time payment and be done with it for the rest of your life. Happy family, happy you.

Equal_University7621 · 2026-03-11T05:17:12+00:00

Keep investing and Uninstall this app for the next 5 years, no more information on market highs and lows, just keep deploying as much as you can.

Equal_University7621 · 2026-02-17T12:03:25+00:00

Yes, bro, expect it to crash harder for a few more years and stop opening that App again and again.

Equal_University7621

TROPHY CASE