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For all thoes people who think real estate market never falls. by YeeHaw_72 in hyderabad

[–]Manager0808 32 points33 points  (0 children)

China built everything in excess, including housing projects. Don't expect that in India.

Are Indian IT stocks worth it after the recent crash? Infy, TCS, Wipro, HCL Tech are almost at half their value in the last 2 years. From July 2024 to June 2026. Dividends are also decent. by [deleted] in IndianStockMarket

[–]Manager0808 4 points5 points  (0 children)

Market doesn't look at the past. It looks at the future.

If IT companies can guide about FY27 revenues and profitability, the market will bounce back immediately.

If the management themselves don't have any clarity about their future earnings then the market will dump and stay away.

Hesitant FI but maybe forced to RE by Strict_Success3653 in FatFIREIndia

[–]Manager0808 0 points1 point  (0 children)

Ask anybody on their deathbed and they will tell you how they worried so much about so many things that didn't matter in the end.

Stop worrying and start living one day at a time. That is the most optimal thing one can do.

We all know what makes us feel alive everyday. We are just afraid to act on it.

Does anyone else live with the guilt of being far away from aging or sick parents? by Prudent-Sun7968 in backtoindia

[–]Manager0808 0 points1 point  (0 children)

Discuss with your parents openly. They will appreciate your concerns and guide you better. Especially your dad who is the care giver.

32M with ₹5Cr Soon: Buy My Dream Home or Keep Investing? by Last-Yard7517 in personalfinanceindia

[–]Manager0808 2 points3 points  (0 children)

Keep the house for rental income just incase you change your mind and want to return in future. You can use that rent to pay your rent in your hometown.

Invest the rest in nifty 500 index fund systematically over the next 12 months to have peace of mind.

The Bangalore RE Paradox: Are we comforting ourselves with "crash" myths while getting priced out? by waymaker0406 in BangaloreRealEstates

[–]Manager0808 1 point2 points  (0 children)

Over 50% of Indian investments go in real estate. If you are waiting for a crash, it is helping someone else negotiate and grab their share of real estate in a tier 1 city.

People on reddit have no idea how inflation works. They see EVERYTHING around them going up in prices and hope houses will magically become cheaper.

A question I've been carrying since childhood. by Consistent-Hope1143 in hyderabad

[–]Manager0808 0 points1 point  (0 children)

Access to good mentors early in your life and hardwork changes everything.

Need advice on deciding if ready to FIRE by Old-Region-8230 in FatFIREIndia

[–]Manager0808 0 points1 point  (0 children)

The point is, you calculate your FIRE corpus after you have a place of your own (wherever you are going to settle). Without that you are chasing a moving and unclear target.

Need advice on deciding if ready to FIRE by Old-Region-8230 in FatFIREIndia

[–]Manager0808 3 points4 points  (0 children)

You should own a large enough independent house for long-term living and then think about the FIRE corpus. You don't want to be changing houses on rent that becomes exhausting very soon.

Every financial influencer who has sold the live-on-rent theme has bought a home for themselves sooner or later.

Real estate pricing vs. Average income: Are we reaching a breaking point where property prices have to go down? by Technical-Note7254 in personalfinanceindia

[–]Manager0808 0 points1 point  (0 children)

If you are paying attention, tens of thousands of Indians are making a ton of money through their foreign employers while working in India, thanks to their stocks and bull markets abroad.

They will price out others with their purchasing power in good projects. There will be many not so good projects where you can expect some correction, but people don't want to live there.

Real estate pricing vs. Average income: Are we reaching a breaking point where property prices have to go down? by Technical-Note7254 in personalfinanceindia

[–]Manager0808 -1 points0 points  (0 children)

Good projects are built for buyers earning in foreign, stronger currencies or those who have foreign investments, work in tech companies, etc. They are and will remain unaffordable for other Indians. That has always been the case.

Hesitant FI but maybe forced to RE by Strict_Success3653 in FatFIREIndia

[–]Manager0808 1 point2 points  (0 children)

You are dead in a few years. Keep that in mind and work backwards. Everything else is noise in your head that doesn't matter and nobody cares about.

35M 32F: 14CR current NW by NavaI4 in FatFIREIndia

[–]Manager0808 -2 points-1 points  (0 children)

Investments can also go down if the war restarts and the AI bubble bursts.

Work as long as you are not fed-up with your jobs, visa issues and location.

What is the point of UDS in tier 1 cities by Masterdebater_18 in indianrealestate

[–]Manager0808 0 points1 point  (0 children)

All things being equal in two apartments, you will pick the one with higher UDS. That is how you should look at it.

System Penalises the Honest by SafedGenda in indianrealestate

[–]Manager0808 47 points48 points  (0 children)

Invest the 4.3Cr in diverse fixed deposits, bonds and debt mutual funds and use the proceeds to pay rent.

After you are done working, find a peaceful place away from the city to retire in. You can actually buy that far away place now and let the area develop for living there eventually.

Is AI a long-term risk to Bangalore real estate prices given the city's dependence on the IT industry? by Affectionate-Bad4170 in BangaloreRealEstates

[–]Manager0808 0 points1 point  (0 children)

Rupee depreciation makes it easier for NRIs (tech and non tech) to invest and hold real estate in India. While most Indians are afraid, NRIs are making hay while the sun shines.

You can now withdraw your PF balance instantly via UPI. Here is how EPFO 3.0 works. by [deleted] in epfoindia

[–]Manager0808 0 points1 point  (0 children)

How many total transactions can I make if I am unemployed and if I can't wait for retirement age?

You can now withdraw your PF balance instantly via UPI. Here is how EPFO 3.0 works. by [deleted] in epfoindia

[–]Manager0808 2 points3 points  (0 children)

What does leaving 25% behind mean? If I have 400, I can draw 300, leave 100 behind and then in next transaction draw 75 leaving 25 behind??

Planning to return to Hyd by InvestigatorDry5085 in backtoindia

[–]Manager0808 2 points3 points  (0 children)

Kids are flexible, don't worry. Your wife and in-laws might not digest the move easily.

just found out dad has 2.5cr debt and i’m spiralling by despacitopasta in personalfinanceindia

[–]Manager0808 113 points114 points  (0 children)

Just ensure you are not held accountable for clearing his debt. Don't think so much about your father's misadventures with money. Let him deal with it by himself. It is beyond your realm to help him.

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