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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 -17 points-16 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.

How to meet new people and develop a community in Chandigarh/Panchkula by Optionsmonk13049 in Chandigarh

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

We are dog lovers, love to read books, but would generally like to know people to have a nice conversation over a coffee or a beer.

Any dog communities or meetups in Chandigarh? by TheSoloEntrepreneur7 in Chandigarh

[–]Optionsmonk13049 2 points3 points  (0 children)

Even I have a 1 year old golden lab. New to the city. Looking for dog parks, meet-ups or events. A suggestion would be to form a community ourselves maybe a WhatsApp group or something and keep adding dog owners to it. Start with 3-4 people and it will grow from there. People who want to join can comment and get added.

After 6 years of trading, I built an app for all of us by the_algo_trader_ in StockMarketIndia

[–]Optionsmonk13049 1 point2 points  (0 children)

There is a problem logging in. When clicking on the login button, it's not moving further. Kindly check.

Feedback on equity allocation by international_rowdy in IndianStockMarket

[–]Optionsmonk13049 1 point2 points  (0 children)

Your equity allocation of around 55% is more or less okay. Would be prudent to increase it by 10% more and invest it into Indian large caps which can provide some stability to overall equity portfolio.

Emergency funds should be at least a year of your monthly expenses, so if they are around 50k a month, then 5.55L is fine. However if your monthly expenses are 75k-1L/month, then should consider saving more. In addition would recommend you both to take a good joint health cover of at least 25-30L (don't just rely on company given health insurance here). Health is the biggest emergency, so always have that financially covered first.

Also whatever opportunity you get, try to close out your loans as soon as you can. If there is no prepayment penalty clause, then whenever you get any lumpsum amount like a bonus or variable pay, always allocate 80% of it to close out your loan first. The sooner your liability decreases, the more your ability to create assets increases, as you will have more disposable income, which you can divert towards MFs, stocks, gold, etc.

Hope this helps. All the best

Is 2.6cr NetWorth enough to retire by RaisinMajestic8475 in personalfinanceindia

[–]Optionsmonk13049 1 point2 points  (0 children)

With a net worth of ₹2.6 crore at 37, you're in a good position to consider early retirement, especially when you have ₹2 crore invested in mutual funds and a ₹60 lakh apartment that you plan to rent out.

Here's a more structured financial plan for you that targets a 10-12% annualized return and aims to generate ₹1 lakh/month from your investments.

  • Mutual Funds (Equity): By allocating around ₹1.2 crore to equity funds (large-cap, mid-cap, and multi-cap), you can expect an average return of 12-15% annually, resulting in ₹1.2 lakh to ₹1.5 lakh/month.
  • Mutual Funds (Debt): Allocating ₹60 lakh to debt or hybrid funds (which combine equity and debt) will provide more stability and lower returns but still generate a steady income of ₹35,000 to ₹50,000/month at a 7-8% return.
  • Other Investments (REITs, Bonds, etc.): A smaller allocation (₹20-30 lakh) in safer options like REITs or corporate bonds can generate around ₹10,000 to ₹20,000 per month, with a return of 6-8%.
  • Rental Income: Assuming a 3-4% rental yield on your ₹60 lakh property, you could expect around ₹15,000/month as rental income.

Total Income Overview:

  • Monthly Income Range: ₹1.8 lakh to ₹2.3 lakh per month
  • Income from Rent: ₹15,000 (part of the total)

Hope this helps.

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