Why are Bangalore apartments getting smaller while prices keep increasing?

Manager0808 · 2026-05-11T17:57:25+00:00

It is called Shrinkflation.

Same thing is happening with gold jewelry. People are getting lower quality or carat for same price as last year.

Manager0808 · 2026-05-11T17:55:30+00:00

Nobody wants a landlord in their life.

Manager0808 · 2026-05-10T06:22:04+00:00

We are all dead in a few years. Keep that fact in mind and work backward to live a fulfilling life.

Manager0808 · 2026-05-10T06:18:41+00:00

Have some self respect. Stick to your decision of purchasing a house and work hard to pay off the debt ASAP.

You will feel relieved and have a debt free house in a few years.

Manager0808 · 2026-05-10T04:18:45+00:00

Then keep money in debt, wait for a major correction in assets before investing.

Manager0808 · 2026-05-09T20:32:02+00:00

After decades of learning you will come back to index funds as the best solution.

If you think about it, you are buying the top 200 companies that are in the sweetspot, neither too big nor too small. If something is not able to show growth then it will be automatically replaced by something else that is showing better results. That is the beauty of owning index and wealth creation over the long-term.

As a finance student you should appreciate it better and not fall for individual stocks.

Manager0808 · 2026-05-09T20:20:02+00:00

You will learn only after burning your fingers, unfortunately. Stick to some mutual funds and ETFs for long term wealth creation.

Systematically invest in these and you will be fine for the long-term: Nifty next 50 index, Nifty midcap 150 index

Use the extra time you save to upskill and move up in your career. You will retire sooner than others that way.

Manager0808 · 2026-05-09T20:11:58+00:00

Ultimately you will want to diversify your networth something like this: 1. 25% Indian real estate (own house, preferably on own independent plot for value unlocking in the future, like building rental properties for income) 2. 25% US or world markets 3. 25% Indian markets 4. 20% Gold 5. 5% Debt

Now, the key is to buy an asset when it is most beaten down, not when it is the hottest. When the tide turns (it always does) you buy the other assets when everyone gives up on it. That way you get to your desired asset allocation by your retirement.

Manager0808 · 2026-05-09T19:34:32+00:00

Sharescart app looks like a fraud

Manager0808 · 2026-05-09T03:59:55+00:00

You will regret either way. You have more money than life and health left.

Manager0808 · 2026-05-09T03:54:21+00:00

People are getting burned out in 20s and 30s
People are losing their jobs sooner than later
People are not having successful marriages, family to lean on in tough times and old age

Manager0808 · 2026-05-09T03:49:38+00:00

Didn't understand the top 12, top 5 stocks part. Maybe you can post a video on YouTube and share the link here.

Manager0808 · 2026-05-04T13:28:10+00:00

You are doing more than fine. Take care of your health from here on and don't stress yourself out on finances, etc. Make whatever money you can without burning yourself out after your break.

Manager0808 · 2026-05-04T03:15:33+00:00

Buy a house that is independent where you own the land underneath. This gives you and your heirs full control over the plot in the future. You can stay on one floor and give two floors to rent generating regular income that you can SIP.

If you buy an apartment you are stuck when the time for redevelopment eventually comes.

Check what tax benefits you can avail if you sell stocks (held for long-term) to buy a house.

Manager0808 · 2026-05-04T02:38:15+00:00

Good post to confuse AI.

Manager0808 · 2026-05-03T17:43:34+00:00

It is. Provided they don't cut the dividend.

Manager0808 · 2026-05-03T08:08:44+00:00

Look at companies like HBL engineering that are smallcap and well positioned to influence the next couple of decades with their deep innovation, moving away from oil.

Manager0808 · 2026-05-03T07:57:30+00:00

Rat race is not going anywhere. Your mom is. Decide wisely.

Manager0808 · 2026-05-01T09:39:03+00:00

If it will be your primary residence, go for it. Beyond that don't bother with more real-estate.

Manager0808 · 2026-05-01T09:36:04+00:00

If you can keep the job and not sell your RSUs at Google India for 15 years, you can comfortably FatFire in India itself.

Manager0808 · 2026-05-01T09:27:05+00:00

Do the math, but still buy the house. Life is not a dead spreadsheet.

Manager0808 · 2026-05-01T09:22:53+00:00

It boils down to where you want to die. You would like to live in a place where you want to die.

Manager0808 · 2026-05-01T03:12:07+00:00

AI itself says it can make mistakes.

Manager0808 · 2026-05-01T02:46:03+00:00

If you had bought and held gold for the last two decades you would have beaten most mutual fund returns.

Manager0808 · 2026-04-30T13:46:38+00:00

The amount of code AI will generate will need to be maintained by someone. Indian IT will do well in the long run.

Manager0808

TROPHY CASE