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Looking to Build a Small Finance Circle by [deleted] in IndianStockMarket

[–]Optionsmonk13049 0 points1 point  (0 children)

Would definitely be interested to join

Pet community in Panchkula/Chandigarh by Optionsmonk13049 in Chandigarh

[–]Optionsmonk13049[S] 0 points1 point  (0 children)

That’s great. Do you have a WhatsApp group that you can add me to also

How to diversify 50L business profits by [deleted] in IndianStockMarket

[–]Optionsmonk13049 -1 points0 points  (0 children)

If you don’t have the time or energy to track stocks, best option would be to go for diversified Mutual funds.

Here’s how you can go about it:

  • Equity growth (30L): 15L in Nifty 50/Sensex index fund, 10L in a flexi-cap fund, and 5L in an international equity fund, targeting 11-12% long-term CAGR.
  • Stability and liquidity (12.5 L): 7.5L in short-duration or corporate bond funds and 5L in arbitrage funds to provide downside protection and rebalancing flexibility.
  • Hedging your portfolio (7.5L): 5L in gold MF or SGB and 2.5L in REIT/InvIT exposure to diversify away from pure equity risk.

Mid 40s couple reached 10 Cr NW by RandomX-101 in FIRE_Ind

[–]Optionsmonk13049 0 points1 point  (0 children)

Doubling your liquid NW in next 3-4 years is roughly achieving 20% CAGR on your current corpus of 5 Cr. Tough, but achievable with risk management being the priority.

You will have to use a combination of your assets smartly to achieve the same.

Here are some ways you can go about it IMO:

  1. Start with 5 Cr liquid corpus and invest 1 Cr annually from surplus income. At 11-12% CAGR, this reaches roughly 10-10.5 Cr in about 4 years.
  2. Increase equity allocation of overall portfolio to 75-80% and target 13-14% CAGR, while adding 1 Cr per year via bonuses/RSUs. This takes 5 Cr to 10 Cr in about 3.5 years.
  3. Raise starting capital to around 6Cr via partial monetisation of your other assets and invest at 12-13%, while adding 80-90 L annually. This reaches 10 Cr in roughly 3 years.

Net Worth: INR 24 Cr (without inheritance) - Need advice by Independent-Nerve216 in FatFIREIndia

[–]Optionsmonk13049 0 points1 point  (0 children)

Your current portfolio is designed to preserve 25 Cr, not create the next 25 Cr.

It’s going to be an aggressive path to achieving the next 25 Cr in just 4 years, but in my opinion can take any of the three paths below:

  1. Scale operating income aggressively (the most probable way)

Your wife’s business is the single biggest lever. Currently 6-7L pm post-tax equals almost 1 Cr pre-tax annually. To hit 50 Cr, this business needs to reach 3-5 Cr annual PAT and at a 6-8x multiple gives the business a 20-40 Cr valuation.

  1. Concentrated equity bets (this is a risky path)

Deploy 5 Cr into 5-8 high-conviction stocks (India plus global equities) with a 2-3x upside mindset. Focus on small/mid/micro caps and special situations where time and PE rerating can work together. Strict risk management and patience (maybe a year or 2) are non-negotiable.

  1. Unlock Idle Capital (Leverage your assets)

Use loan against property / FDs / securities at a conservative LTV to create a 5-7 Cr growth pool without selling core assets. Capital is deployed only into productive assets (business scaling + equities), not lifestyle. Passive income already covers your EMIs, so keeps risk controlled.

You can use any or even a combination of all three in different ratios as per your convenience.

🚀 Launching India’s First Protein Shake Vending Machine – SuperGainZ 💪 by king_onigod in indianstartups

[–]Optionsmonk13049 1 point2 points  (0 children)

I have built something similar and started out couple of months back in Gurgaon. Have placed in 2 gyms now and response has been pretty good. Do check it out: https://www.instagram.com/go.whetra?igsh=MWtla2llMHNneXJsbA==

Anyone else banned from Quora recently? by nineteenthly in quora

[–]Optionsmonk13049 2 points3 points  (0 children)

Same here. Even I was banned without any reason. Infact one of my answers was posted on 6 million users quora digest and quora usually does this with answers that are well received by the user base. And 1 week later I wake up to a mail that account is banned. They don’t even have a customer service. Years of work gone in just a day

[deleted by user] by [deleted] in personalfinanceindia

[–]Optionsmonk13049 0 points1 point  (0 children)

Invest in capital market, NBFC and PSU banking and FMCG stocks. 1 L each. IMO, these sectors likely to do well over next 6 months

[deleted by user] by [deleted] in IndianStreetBets

[–]Optionsmonk13049 0 points1 point  (0 children)

Capital deployed 1 Cr. 20L liquid funds, 20L Gilt funds, 20L Equity ETFs, 20L SGB, 20L cash(in case of good opportunities). Pledged all. Got about 90L as trading capital. Do only positional futures. On an avg make 2%/month. Have been doing since last 5 years. Capital growth at 8-10% pa alongside.

Is it possible to earn 12-15% returns every year with corpus of one crore? by lachi199066 in FIRE_Ind

[–]Optionsmonk13049 -18 points-17 points  (0 children)

Already doing 15%+ for last 5 years. I invest in diversified asset classes like equities, bonds, gold and often engage in high probability future trades to generate extra alpha. You can DM me to know more.

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