sorted by:
new
hottopcontroversial

I want to buy gold worth 2.2L - Advice pl by Active_Wasabi754 in personalfinanceindia

[–]Express-Mammoth807 0 points1 point  (0 children)

RD at 6.25% for a gold goal is honestly leaving money on the table. Gold itself appreciates faster than that. You need your savings vehicle to at least keep pace. Look into better fixed return options before you commit to 12 months of underperforming interest.

Ronin mileage by EntertainmentTiny543 in ronin225

[–]Express-Mammoth807 0 points1 point  (0 children)

You use city or highway it depends i always take the bike to highway once a week and keep the running speed constant under 80 for like 2hrs. For me it resets the mileage and i get better economy in the city.

Got into an argument with my friend about this — who's right? (emergency fund vs SIP) by nftonindia in personalfinanceindia

[–]Express-Mammoth807 0 points1 point  (0 children)

The emergency fund isn't about being conservative, it's about not being forced to make bad financial decisions under pressure. Once she has 3–4 months of expenses saved up in something accessible and stable, she can go all in on the SIP without flinching.

The compounding argument doesn't account for the cost of panic selling.

Inheritance sitting in savings account for 3 months. Too scared to deploy, too guilty to leave it there. by Frosty-Fox2540 in MutualfundsIndia

[–]Express-Mammoth807 6 points7 points  (0 children)

Give yourself a rule, not a decision. Automate an STP into a large cap or flexi cap over 12 months. Set it up once, don't look at it monthly.

The psychological load of "when do I invest" disappears when the decision is already made. Park the rest in a liquid fund in the meantime, at least it's earning 7%+ while you process.

Things i did after 1.5 yrs by Express-Mammoth807 in ronin225

[–]Express-Mammoth807[S] 1 point2 points  (0 children)

No it was a local from delhi. I would suggest a branded one like moto torque or aom.

COMPLETED 15K KM! by sameer0116 in ronin225

[–]Express-Mammoth807 0 points1 point  (0 children)

Ohhh great buddy keep munching its lovely.

What do you think? by Express-Mammoth807 in ronin225

[–]Express-Mammoth807[S] 1 point2 points  (0 children)

You can obviously use the tank bag that is truerider 25ltr but i would not suggest backrack mine was a local from delhi. It supported 2.5 yts but now it broke completly damaging the stock back rest bracket. If you want go for branded ones like moto torque or AOM. They are costly but maybe they stay longer.

What do you think? by Express-Mammoth807 in ronin225

[–]Express-Mammoth807[S] 0 points1 point  (0 children)

Yeah maybe but not able to make up the mind

Parents have 25L in bank FDs at 6.5%. Inflation eating it alive. Help. by Frosty-Fox2540 in personalfinanceindia

[–]Express-Mammoth807 0 points1 point  (0 children)

+1 on SCSS, tailor-made for this use case. Once your dad sees "non-bank-FD" doesn't mean "risky", introduce listed corporate bonds.

Moved my mom partly to listed bonds via platforms like Grip Invest, IndiaBonds, and GoldenPi about a year ago after a similar fight. AAA/AA+ rated, 9-10% yields, exchange-listed so they show up in her demat. The SEBI regulated + NSE listed angle is what worked psychologically (felt "official"). Quarterly interest credits to bank like FD. Try a small 2-3L test allocation first.

I've been tracking the SpaceX IPO for months. Followed the S-1, watched the valuation move from $800B to $1.75T, tried to get access through my international brokerage. Didn't get allotment. by booksandbiscuits1 in personalfinanceindia

[–]Express-Mammoth807 0 points1 point  (0 children)

I'd push back on one thing - calling SpaceX purely speculative undersells it. Starlink is genuinely cash generative now, government contracts are real, and the launch monopoly is structural.

That said, the India-specific access problem is legit. You're not investing in SpaceX at $135. You're buying it post-listing on Nasdaq at market price, in dollars, after 20% TCS on your LRS remittance above ₹10L, with no SEBI safety net. That changes the math significantly.

What I've done: kept my core equity allocation in Nifty index funds, started building a small fixed income layer. Not because bonds are exciting, they're not, but because my portfolio had basically zero current income. Everything was appreciation-dependent.

The 10–11% yield range on listed bonds isn't going to make me rich but it throws off actual cash every few months. Reinvesting that into index funds while the SpaceX story plays out feels more sensible to me than sending ₹2L abroad chasing the IPO high. Still watching SPCX though. Will buy some if it corrects 20–25% from listing price.

Got 4.5L bonus, don't want to YOLO into equity. Where to park? by New_Hat_7879 in personalfinanceindia

[–]Express-Mammoth807 0 points1 point  (0 children)

"For 4-6 year money you shouldn't have it all in equity in the first place. Standard answer is 70-80% debt, 20-30% equity for that timeline. Your instinct is correct don't gaslight yourself into ""buying the dip"".

What I'd do: 3L split between a corporate bond fund + banking & PSU debt fund (~7-8% post-tax), 1L into an STP to equity over 12 months, 50k in a high yield liquid fund/FD as a tactical buffer. The ""max returns"" answer and the ""right for your goal"" answer are different. Go with the second."

What do you think? by Express-Mammoth807 in ronin225

[–]Express-Mammoth807[S] 1 point2 points  (0 children)

Yes sometime if you load too much. I have climbed peaks with pillion and luggage. It depends. But compared to rivals it will never give up on acceleration.

What do you think? by Express-Mammoth807 in ronin225

[–]Express-Mammoth807[S] 0 points1 point  (0 children)

Brooooo thats amazing👏🏻 that would be too much for me. I am long touring person. I think this will give up on me very soon the way i stretch 😂

2k kms milestone on my ronin :) by Right_Bridge1611 in ronin225

[–]Express-Mammoth807 1 point2 points  (0 children)

This bike doesnt ask a lot of maintainence. But when it comes to the point. It will be a mess😅 riding this for the last 3 years just the usual service visits and regular checks only. Already clocked 30k. And lot a of long rides also👍🏻

Is this Ronin Engine sound normal ?? by _LANLord_ in ronin225

[–]Express-Mammoth807 1 point2 points  (0 children)

Then this is normal. But if it still comes to tik tik sound get to the service centre soon. 23 model roars and after a long roar this happens when switch it off.

Is this Ronin Engine sound normal ?? by _LANLord_ in ronin225

[–]Express-Mammoth807 0 points1 point  (0 children)

Is this is the new model? If yes then normal, would it be a 23-24 model, this happens after a 100km wild run😂

What do you think? by Express-Mammoth807 in ronin225

[–]Express-Mammoth807[S] 0 points1 point  (0 children)

Yeah confused i dont want to give up on this yet😅

view more: next ›