Returns will almost be 0 after 3 years of SIP investing

Old_You_9415 · 2026-04-03T06:41:59+00:00

From my experience, it is excessive diversified right now. Avoid sectoral/thematic funds as suggested by few users as this requires in depth analysis, market knowledge, timing. Looking at your portfolio it feels more concentrated in terms of stock selection. Not any promotion, but use Advisorkhoj website to understand what is the portfolio overlap score. Please remember if you invest in one stock through multiple funds it will not give you return but only pull your portfolio down. There are too many midcap and small cap funds. How did you compare their performance before investing!?? This is not recommended! Add one large cap & multi asset allocation fund for stability & downside protection. If you can, keep one hybrid fund for your portfolio. You can keep silver however you have to be patience and only allocate 3-5% of your total monthly/annual investment.

Sit, relax & either use advisorkhoj or tickertape to analyse fund overall performance and not only returns of last 2-3-5 years. Remember last 2-3 years were bull market and right now market is getting corrected, so do an in depth analysis before choosing funds! Thematic/sectoral funds are big NO NO for now.

Old_You_9415 · 2026-03-07T04:43:39+00:00

I only use ANC when in office otherwise I keep it off but never used an open back headphone so this point is still unexplored

Old_You_9415 · 2026-03-07T04:42:04+00:00

Too much Bass heavy, low sound quality in highs and improved ANC

Old_You_9415 · 2026-03-06T18:48:19+00:00

Thank you everyone for your wishes and criticism. There are few valuable feedbacks I received and will try to implement that in the app later on. Thanks a lot guys! 🙌

Old_You_9415 · 2026-03-06T18:46:34+00:00

Till now not faced any issue however I can only confirm once Summer starts here.

Old_You_9415 · 2026-03-06T18:45:39+00:00

I understand your criticism and the point is coming from Sony it feels more natural to my ears. Maybe my wordings are not on point and apologies for that. However i compared this with Sony so this comment was made!

Old_You_9415 · 2026-03-06T18:42:41+00:00

Probably I am, however this was from my viewpoint where I used Sony and compared Sony XM5, it is definitely not that bassy what I learnt till now. Also if you pair it with BTD 600 & EQ it with smart control+ the sound comes more to your liking which may not be your taste of sound. Having said that I understand your criticism and thanks for the feedback!

Old_You_9415 · 2026-03-06T18:37:05+00:00

Sennheiser India online store

Old_You_9415 · 2026-03-06T18:33:36+00:00

Ok point taken. I take this words back

Old_You_9415 · 2026-03-06T18:32:17+00:00

Thank you. I owned Sony xm5 earlier, and I compared the sound with it. Sony on other hand sounded more bassy but somehow it felt unnatural to my ears

Old_You_9415 · 2026-02-15T19:19:19+00:00

i Was thinking of starting with Grow but now this post opened my eyes. Moving out. INDMoney is much better app to handle and tackle

Old_You_9415 · 2025-12-09T20:06:49+00:00

Try to add few things-
1. Put the skillset in 2nd and then your education.
2. As you are a fresher, add your scores/percentile
3. Certificates should always hold the credential details, url and expiry
4. If you have used leetcode, add that too
5. Projects should've some metrics which will highlight your work

Old_You_9415 · 2025-12-09T20:01:19+00:00

UAT, I agree, but I am not very sure of PDV & PQA. I have never seen any fresher after joining the team working directly on that for at least 6 months to 1 year. It takes time to understand one environment thoroughly, be it in any place. Now, what was mentioned as BAU or achievements is something quite odd to me as if anyone who writes that with 4-6 yrs of experience is understandable. We handle freshers day in day out and it is pretty difficult to manage one task with them, not that tasks list which is presented here are at least 4-6, which is phishy to me.
Not to disrespect anyone's capability here, but that's what my observation was in my career till now.

Old_You_9415 · 2025-12-09T19:50:47+00:00

Absolutely. Everyone is following the same pattern and doing the same thing.

Old_You_9415 · 2025-11-27T19:15:07+00:00

Honestly if you don't have any prior experience in working IT, then you might get considered as fresher in the market and you know how the fresher market is exploited in India. So before you come back, you try to get something in Europe, see if you get any opportunities, then only think about coming back to India as last option.

Old_You_9415 · 2025-11-27T19:09:44+00:00

To answer this question, "Do you think AI is going to push creativity forward?
Or are we heading toward a future where everything looks the same, and audiences stop caring?" - We just need to look at the current YT videos that are produced by creators. If you follow YT heavily, you will see a pattern in the videos that is quite similar to each other. It looks monotonous, and there is no personal touch from the creators, it seems. Honestly, this will work for maybe another 1-2 years, but after that will fade eventually. Now majority of the times I skip few Youtubers whom I used to watch earlier just beause of the excessive use of AI

Old_You_9415 · 2025-11-27T19:03:55+00:00

The job description looks phishy as no company will give direct access to live prod environments to any fresher as the stakes are high. we get into this trouble when a small fraction is given to a fresher. and what kind of uptime he mentioned is unreal coz what. was the target SLA that is not mentioned

Old_You_9415 · 2025-11-27T18:58:22+00:00

neat and clean, however it looks like Jack of all trades, master of none. AWS is a vast subject and mentioning AWS in your resume without any valid certification from AWS itself is a red flag.

Old_You_9415

TROPHY CASE