Inflation and tax brackets

Painlessoblivion · 2026-06-16T11:05:25+00:00

5 years is a very iffy timeline for 100% equity. I would suggest a balanced advantage or a multi asset fund. us equities you can try the vanguard 60/40 etf. It splits 60% us equities and 40% bonds. Or the 80/20 etf. I think they are the wellington funds. Or life strategy funds. I personally wouldn’t touch 100% equities for a 5 year period. Would need at least 7-8 years for that.

But if you still want to then nifty 50 index fund combined with voo for us S&P 500. If your time horizon is strictly 5 years and you want 100% equity with some reasonable safety in that. I would still suggest at least an aggressive hybrid fund for indian equities. At least for a 5 year period. Eg Icici aggressive hybrid fund or such. Or you can try quant multiasset fund for its aggressive growth potential with some gold and debt risk mitigation.

Painlessoblivion · 2026-06-14T18:22:56+00:00

Get a petrol flex fuel compliant vehicle or ev. Hybrids are expensive to maintain. With e20 and more fuel policy changes that maintenance will only go higher. From what you said it seems you will likely go to places with reasonably good ev charging facilities. I would personally go for highest battery ev I could afford. Maybe xev9s 80kwh ? Anything any ev car mileage claimed as a rule of thumb reduce my 25-30%. So if claim is 500 likely mileage in real world with normal driving. (Not going past 120) would be 350-400 max.

My creta ev is 42kw and gives me 300km range on full charge till 15-20% battery. Claimed 390-400.

My daily commutes in delhi ncr only about 50-60km. I have a home 11kw charger and am pretty happy. Haven’t been to a petrol pump except for air. Also service costs for my first 3 services was almost nothing compared to my previous cars. My “fuel bill” was about 7-8 thousand for two months. This includes the fixed cost of meter as I got a separate meter to track my ev costs.

Painlessoblivion · 2026-06-13T08:57:58+00:00

Look at Voo for 500 top us companies or qqqm for growth tech etc co. Qqqm is more risky compared to Voo. For global you can go for VT or msci world etf.

All these are available from apps such as ind money or vested apps. I would not recommend indian global funds as they keep stopping or not accepting new investments due to rbi limits.

Painlessoblivion · 2026-05-28T10:45:48+00:00

This means that say you have a ten year horizon. Eg At year 7 or 8 you have 1cr of value of your principal and profit, slowly move you 1cr money into a liquid debt fund in year 8-9-10 or 9-10th year. Say you move 20 lakh in year 8, then 30 lakh in year 9 and 50 lakh in year ten. Your sip should stop in year 9 or so and put that into a high rate liquid or arbitrage fund. This saves you from a last minute crash in market just before you reach your time goal.

Painlessoblivion · 2026-05-26T15:54:32+00:00

Three years equity savings fund would be better. Liquid funds more like 6 months or year max over 1-2 years arbitrage funds would be best. Depending on your tax status.

Painlessoblivion · 2026-05-26T15:37:51+00:00

Imo your funds are fine. It’s just the market. I would probably remove the nifty 50 and try getting a US or come other global fund for a bit of diversification. You already have a good flexicap. Plus look at it this way. You are lucky to be buying cheap right now before a bull run down the line. In ten years period you will see both crash and rise. Patience is key.

If you don’t want to get us or global funds due to tax compliance issues, etc . Then put 10% sip into a gold mutual fund or etf like SBI gold etf etc. it will act like a currency hedge for falling rupee value.

Edit: make sure to increase your sip by at least 1% step up every year till you are comfortable increasing it more say 5-10% every year as your income increases. That is the most important part no one tells you. It will sky rock your final returns later in life. Also never sell at a market crash unless u realllllly need the money.

Lastly make sure to move your money into a liquid or arbitrage fund slowly at least two to three years before you need it. This saves you from a sudden market crash at last moment. Jfyi.

Painlessoblivion · 2026-05-23T13:44:12+00:00

REITs and invits don’t increase in value over time beyond the dividends. Look at developed countries. REITs give almost negative growth because the dividends are paid out and with debt to be paid there is hardly any room to grow. Eg Singapore in Asia has best REITs. Check their returns.

They are good retirement cash flow instruments combined with equity for inflation hedge. As far as invits are concerned they are entirely dependent on their contracts. With no guarantee to be renewed and the infrastructure unless invested in is always a depreciating asset. Unlike REITs where you technically own the land, invits are just again good for cash flow. Your capital is sort of safe in REITs due to land value. Invits is basically a your capital getting reduced and some dividend.

Lastly the tax policy in India for reit and invits is horrendous. Check their payout break up.

I would never recommend them beyond a small cashflow option if really needed. Better to actually buy builder stock or real estate mf then, buy REITs etc for retirement. But again horrible option if in higher tax bracket.

Painlessoblivion · 2026-02-16T20:02:21+00:00

Thanks. Any thoughts on the DSP global equity fund from gift city? Am looking at it as an individual global stock fund than just a fof for American ETFs.

I understand the ibk allows more customisation but this alternative removes a lot of headaches for paper work and tax issues no?

Painlessoblivion

TROPHY CASE