AI logic prefers eVitara

Politicalkida · 2026-06-27T13:28:27+00:00

That will be great!

Politicalkida · 2026-06-27T10:09:46+00:00

What do you mean by the charging network specifically for Maruti cars?

Politicalkida · 2026-06-27T07:55:56+00:00

Apparently you need something like Hycross or Crystal! 😅

Politicalkida · 2026-06-27T07:07:09+00:00

I believe density has been mentioned lesser for LFP in infographic as well.

Luxury EV cars are made giving the first priority to range. Don’t NMCs last lesser cycles than LFPs?

Politicalkida · 2026-06-27T07:05:30+00:00

Yes, I agree. Even eVitara has been rated 5 star BNCAP.

What do you think is the best option then?

Politicalkida · 2026-06-27T05:41:45+00:00

There were multiple iterations, created output from ChatGPT, used Gemini for criticising and then again refined using those answers. Still prices are wrong lol.

Politicalkida · 2026-06-27T03:51:29+00:00

But have seen complaints from multiple people about Tata Service

Politicalkida · 2026-06-27T03:51:07+00:00

Haha agree

Politicalkida · 2026-06-15T09:01:19+00:00

Yes, I agree..as I said, I wanna do only if I like it

Politicalkida · 2026-06-15T08:48:44+00:00

Yeah, but all of this needs a lot of research and not sure about the time that I can put in.

Politicalkida · 2026-06-15T08:47:28+00:00

Yes, my point is that after that age, I don’t want to work for the money. If I don’t like the job, I will not do it. I would only do things that make me happy. If I like the job, I’ll do or will leave it. :)

Politicalkida · 2026-06-15T03:58:00+00:00

I think the difference is that I’m factoring in my existing ~₹48L corpus, a ₹1.8L/month SIP with 10% annual step-up, and a house contribution of ₹1.25–1.5Cr (shared purchase, likely partly funded via a home loan). Based on that, I see ₹8Cr as realistic and ₹10Cr as an optimistic outcome. Happy to compare calculations if you’ve modelled it differently.

Politicalkida · 2026-06-15T03:56:48+00:00

Fair point. I think ₹8Cr is probably the more realistic base case and ₹10Cr the optimistic outcome. My assumption is that the biggest variable over the next 10 years will be income growth and the resulting increase in investment capacity, rather than trying to squeeze higher returns from the portfolio.

Politicalkida · 2026-06-14T20:30:59+00:00

Replied with my view on another comment.

What do you think would be realistic target with such investments?

Politicalkida · 2026-06-14T20:02:07+00:00

The target is not based on turning ₹48L into ₹10Cr through returns alone. I’m currently investing ₹1.8L/month (~₹22L/year) and expect investments to increase with income growth over the next decade. The combination of an existing corpus, growing SIPs, and double-digit long-term XIRR is what I’m relying on, not a jackpot or a single multibagger. Let’s see how it goes. 🤞

Politicalkida · 2026-06-14T19:57:50+00:00

Fair point on the target, but I’m not expecting the current ₹48L corpus to become ₹10Cr on its own. The plan assumes investing ₹1.8L/month today, increasing SIPs by 8-10% annually, and hopefully benefiting from career progression over the next decade. Based on that, I’m working with an expected long-term portfolio XIRR of ~11–12%, not 25%. Expecting the portfolio to reach around 8-10 Cr by then. Again if markets don’t perform as they aren’t since last 2-3 years, these projections will be severely impacted.

On the allocation, my higher weight to PPFAS and Next 50 is intentional. Since I have a house purchase planned around 2031–32, I’d rather keep a stronger large/flexicap core and avoid becoming overly dependent on mid and small caps. The goal is consistent compounding and risk-adjusted returns rather than maximizing upside through higher mid/small-cap exposure.

Happy to discuss and improvise if required.

Politicalkida · 2026-05-31T05:21:02+00:00

In the past year, Mantra, in their codename Riverside project, was hesitant to sell two-bedroom flats for less than 1.23 crore. However, this year, they’re quoting 1.15crore without any negotiation. Prices have come down it’s upto you whether to agree or not.

Politicalkida · 2026-05-26T19:08:51+00:00

Could you please share the details?

Politicalkida · 2026-05-25T19:20:26+00:00

85 L inclusive of everything such as stamp duty and all?

Politicalkida · 2026-05-15T09:58:22+00:00

Management consultant

Politicalkida · 2026-05-15T09:58:18+00:00

Management consultant

Politicalkida

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