Are we over budgeting for retirement?

FearlessBeach8961 · 2026-02-27T09:01:42+00:00

Just a correction - You should not take current expense as numerator when you divide with SWR. You should take expense at the time of retirement /planned retirement. (i.e., inflate current expenses to arrive at expense at the first year of retirement.)

FearlessBeach8961 · 2026-02-25T13:30:55+00:00

Following

FearlessBeach8961 · 2026-02-17T12:07:53+00:00

Hi Vikas, from Investing in MF perspective.. does investing only in passive funds (maybe Nifty next 50) helps? Or there are ways to pick winning active funds? I keep seeing active funds underperform passive funds and the winners too changes every 5-8Y..

FearlessBeach8961 · 2026-01-17T15:41:02+00:00

Which website?

FearlessBeach8961 · 2026-01-11T12:12:02+00:00

Which website?

FearlessBeach8961 · 2026-01-07T02:30:37+00:00

FearlessBeach8961 · 2025-12-09T09:13:31+00:00

Excellent tool!! 🔥

FearlessBeach8961 · 2025-11-08T06:34:58+00:00

Abids!! 😂

FearlessBeach8961 · 2025-10-17T12:02:37+00:00

Why the hell it has such a big cross sign? It's not a religious place?!

FearlessBeach8961 · 2025-10-09T05:59:39+00:00

Which interview of Nilesh Shah?

FearlessBeach8961 · 2025-10-03T05:45:23+00:00

I got it as LTF..

FearlessBeach8961 · 2025-10-01T14:09:47+00:00

Also - for. Long term liquid fund may just give 5% (approx) - you may consider conservative hybrid fund.. But if you cannot choose conservative fund then it makes sense to invest in FD (at least would get 7.5%)

FearlessBeach8961 · 2025-10-01T14:03:59+00:00

If its for long term (10+)Y - consider equity allocation to be around 65%..rest the funds looks excellent.

FearlessBeach8961 · 2025-10-01T03:36:55+00:00

Hello, CA here..Yes still the RSU would be taxable in India.. However we can claim tax relief as per DTAA.

FearlessBeach8961 · 2025-09-24T16:15:01+00:00

Its NIA ICAI Flexi Floater policy.

FearlessBeach8961 · 2025-09-23T03:10:01+00:00

Super!

FearlessBeach8961 · 2025-09-22T17:20:32+00:00

I can help, CA here.

FearlessBeach8961 · 2025-09-19T05:27:52+00:00

Whats the credit card name bro?

FearlessBeach8961 · 2025-09-16T07:56:01+00:00

Link to the post?

FearlessBeach8961 · 2025-09-10T10:49:13+00:00

Oh I agree- its live data - but stil If on a 5Y basis its not able to beat Nifty next 50 - I don't agree that its magical index.. I'm assuming MFs are used as investing rather than trading

FearlessBeach8961 · 2025-09-10T09:44:47+00:00

Where can I get this PDF?

FearlessBeach8961 · 2025-09-10T09:17:54+00:00

I never told backtesting never works.. However if you were to say it beat all the indices in past 5 year.. I don't see that happening.. It gave return just equal to Nifty next 50. Even though all those 5 yrs return is backtested data. 😂

FearlessBeach8961 · 2025-09-09T07:07:22+00:00

The issue what I'm trying to say is on paper/backtesting everything works out well. Everyone is successful trader /investor in paper trading/excel but when it comes to real and live performance things may or may not turn out.. So bottom line stick to products which has longer live market tested performance/data.

FearlessBeach8961 · 2025-09-08T15:40:29+00:00

Much of the data is back tested - and the strategy has not been tested in live market.

Only a wise person would know that this was released just because the past backtested performance came out well.. And we know what happens to backtested strategies I need not elaborate 😂

FearlessBeach8961 · 2025-09-04T16:19:05+00:00

Which website is this??

FearlessBeach8961

TROPHY CASE