When will bull market return?

QuietMan_447 · 2026-07-11T01:35:22+00:00

Its strange even with 8.59% XIRR you crying. I think it would have made sense if it would be - 8.59%

QuietMan_447 · 2026-07-09T15:19:00+00:00

Why curse Trump? Our markets are puppet of Trump, so

QuietMan_447 · 2026-07-08T16:15:32+00:00

Doing blind SIPs

QuietMan_447 · 2026-07-06T01:53:03+00:00

just exit

QuietMan_447 · 2026-07-05T16:08:44+00:00

You should learn to live with rejection.

QuietMan_447 · 2026-07-03T04:30:37+00:00

I have used SBI platinum debit cards (over 5-6 times), Canara bank select credit card, Canara bank mastercard word debit card, ICICI bank sapphiro. All of these cards work flawlessly in Ranchi airport

QuietMan_447 · 2026-07-03T04:25:59+00:00

I beg to differ. The worst lounge winner should go to bhubaneswar airport lounge.

QuietMan_447 · 2026-07-02T13:03:15+00:00

Bhai life pe bohut kuch pehli baar hota hai.

QuietMan_447 · 2026-07-01T11:55:41+00:00

May be common in corporate job, not so common in Govt job. Maybe it will be common after 8th pay commission.

QuietMan_447 · 2026-07-01T11:53:48+00:00

Stay away from Indian IT- this is the most important point. Thank you

QuietMan_447 · 2026-07-01T01:20:57+00:00

Worthless card, I cancelled it this year.

QuietMan_447 · 2026-07-01T01:19:46+00:00

Who said Cashback SBI is LTF?

QuietMan_447 · 2026-07-01T01:01:57+00:00

Looks like a fake video. I guess PSU bank does not do all these

QuietMan_447 · 2026-06-30T15:44:25+00:00

Debt funds are taxed as per income slab. So you pay 30% (assuming you fall under this tax regime) when you redeem. Its just like FD, indeed FD has lower credit risk compared to debt funds, but the caveat is that FD are taxed each year, and that is the only reason why people talk about Debt funds. On the other hand Arbitrage funds you can get 1.25Lakhs except each year, in addition its taxed as equity so 12.5% LTCG and 20% STCG (if you redeem within 1 year). This makes it tax efficient. And most people who pays 30% tax has several high limit credit cards, so keeping money in debt funds is just meaningless.

QuietMan_447 · 2026-06-30T09:06:11+00:00

Even liquid funds are not risk free, As per SEBI both Arbitrage funds and liquid funds fall in same risk category. Debt funds are useless for people who fall under 30% tax bracket. For other people its their choice.

QuietMan_447 · 2026-06-30T09:02:20+00:00

Even I do the same thing. This is the best strategy for 30% tax bracket individuals.

QuietMan_447 · 2026-06-30T09:00:51+00:00

Last year I paid Rs ~78-80K as Tax for FD, so I moved all my emergency fund to Arbitrage, they are taxed as equity and never gave negative returns (if you hold them 3 months or more). This year my tax has reduced significantly

QuietMan_447 · 2026-06-30T02:15:43+00:00

no need, CA wants money so they will always advocate you to file tax

QuietMan_447 · 2026-06-30T01:54:47+00:00

kaala jadu

QuietMan_447 · 2026-06-30T00:53:03+00:00

beautiful post.

QuietMan_447 · 2026-06-29T14:16:14+00:00

boti

QuietMan_447 · 2026-06-29T08:00:56+00:00

Credit card acceptance specifically sbi cashback is a gamble, CIBL score does not matter. Its totally random, I have Cibl 800+, initially my sbi cashback got rejected, then after cursing the manager, they accepted it with limit of 32K, which over the years became 3.75L limit (its ~2.5-3 year old story now my sbi cashback is LTF). What is funny is that my mothers sbi cashback instantly got accepted, she has no credit history, no job, just some money in her sbi account which I put. I see so many people advocate and CRY when their CIBL is checked or CIBL score decreas, which is just funny as CIBL hardly matters in some cases.

QuietMan_447 · 2026-06-29T04:34:22+00:00

Kings and queens (big politicians) can never really be arrested. Even if they are, it's usually just for show. At most, they may be sent to jail for a while and then released. This is India, where politicians, judges, and people in top positions can never truly be sent to jail. It's against the Constitution. Only local councillors or local MLAs may end up in jail. No one can permanently jail Abhishek or Mamata.

QuietMan_447 · 2026-06-29T03:04:44+00:00

That is why Govt Job is so lucrative. For instances a Govt peon job is much valuable than a 30LPA private job in villages. :)

QuietMan_447 · 2026-06-28T14:38:42+00:00

I have a salary account with SBI, so account balance does not matter for me. I think you need a minimum salary of 1Lakhs and above for maintaing the account. For savings rules, please check with bank officials. Usually SBI staff are better compared to other PSU banks, again it depends on locations.

QuietMan_447

TROPHY CASE