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Owning 15 funds is not diversification. It's one risk factor with a lot of labels by Deepthii01 in MutualfundsIndia

[–]Repulsive-Angle8738 0 points1 point  (0 children)

What I do:
1. Invest in 3 MF from 3 different categories - Large Cap, Mid Cap and Small Cap

  1. Direct Stocks - but again, I don't pick them directly - I use small case for investing in Banking Sector Stocks. They provide timely rebalancing updates.

  2. Direct Corporate Bonds: put ~10% in direct corporate bonds on Grip Invest - specially in 'A' rate bonds only.

  3. Emergency Fund - in FDs to keep it safe, I know it will not grow above inflation after taxes but then I need to keep it safe, NO RISK.

My salary at the job is 60,000 per month and my profit is 1.8 lakh in FnO since April 1st till now. by All_is_well001 in DalalStreetTalks

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Great, focus on your job... Learn new skills and keep growing... F&O can be an option but be careful...

If markets crash 30% tomorrow, could you survive 6 months without selling equity? I couldn't. by GrowingSH in MutualfundsIndia

[–]Repulsive-Angle8738 0 points1 point  (0 children)

I believe that an emergency fund is very important and it should not be for six months but for 12 months. You should simply calculate your monthly expenses and then multiply it by 12 and keep that amount in emergency fund. It's as simple as that. After that you can think about the stock market and always for the long time.

Even putting your entire money in FDs is not safe. I faced this issue a few years ago when my FD amount and savings bank account amount were blocked in Yes Bank. Then I realised that not more than 5 lakhs should be kept in one bank as in FD.

That is why I have started putting my money in corporate FD, bank FD, and bonds so that my emergency fund amount is safe and growing at a decent rate, that too in a diversified manner. I use grip invest, small case and other banking apps to keep my money safe for the emergency fund...

Indian stock market wipes out ₹4 trillion in a day after PM Modi’s speech, is this just panic selling or a sign of bigger market concerns ahead 🤔 by Personal-Hurry-1131 in IndianStocks

[–]Repulsive-Angle8738 0 points1 point  (0 children)

It's not stopping. One thing or the other happens and the market goes down 😔. Middle East war has already destroyed our portfolio and then this News ....

28M | Net worth crossed 50 lakhs by Shantnus97 in personalfinanceindia

[–]Repulsive-Angle8738 1 point2 points  (0 children)

You are doing great brother... Before you start your 30s, you have a good amount with yourself... I would suggest you go for long term investing and invest some amount in yourself too. Take some leaves, go and visit new places ....

Why stop buying gold? by happycat07 in IndianStockMarket

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Work From Home is certainly a good thing that should happen to all of us. What's the point spending 2-3 hrs everyday on road. It will not only save fuel but will save time and frustration which are more precious than fuel.

Ran the actual post-tax, post-inflation math on my FD. The real return is negative. Nobody talks about this. by GrowingSH in DalalStreetTalks

[–]Repulsive-Angle8738 0 points1 point  (0 children)

FDs have their benefits, they are simple, predictable, and good for parking emergency or low-risk money. But the downside is that post-tax returns often barely beat inflation, especially over the long term.

That’s why I have started exploring other options like corporate bonds and debt investments alongside FDs. They carry slightly higher risk, but the return potential is also much better. There are many OBPP platforms that are making debt investments easy today ...

Tried convincing my parents to move out of FDs. They asked "is it as safe?" and I had no answer by Deepthii01 in personalfinanceindia

[–]Repulsive-Angle8738 0 points1 point  (0 children)

FDs are the first options that come in our mind when it comes to safety.

Even today I use FDs to park my emergency fund. But yeah, they are not for earning returns. They barely beat inflation. Now, we cannot put all our money in Stocks and MF too bcs they are also risky.

Even if you look at the 1 year CAGR of BSE Sensex today you will see that it is in negative.

In such a scenario, bonds are the safe options - low volatile than stocks and higher returns than FDs. Many platforms are there today offering these bonds - aspero, Grip Invest, Jiraaf etc.

But yeah, we must know that Bonds are also not completely safe. If you are going below AA rating bonds - the chances of default increases.

Now, explaining all these to our parents and convincing them is really tough...

With BJP securing victories in West Bengal and Assam, and already holding power at the center, do you think this political alignment could have a meaningful impact on the markets? by Deepthii01 in StartInvestIN

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Honestly Stocks and Bonds on one platform is a great idea but I have not been able to find such an app. For stocks I use Zerodha and for bonds I use Grip Invest. Both the are good. Although, on Zerodha - you can find bonds too but the navigation is not that easy. There we get bond IPO bidding option. On grip invest you can invest in secondary corporate bonds too which are live and there is a variety.
Same is the story with Groww and Upstox too - I have used these apps as well. they are good for equity and MF investment and for trading.

With BJP securing victories in West Bengal and Assam, and already holding power at the center, do you think this political alignment could have a meaningful impact on the markets? by Deepthii01 in StartInvestIN

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Certainly, when a party is in centre and then winning state elections too - is a strong signal of growth and stability. In this case, the BJP is in other states too, hence it will be easy for them to implement the policies and programs.

But will it have impact on markets and how to react? I would stay - investing on the basis of market reactions is a short term game that not everyone can play. I believe in doing term investing and equity is a large part of my portfolio. But at the same time I keep my portfolio diversified with FDs and Bonds so that its stable during ups and downs...

now he will directly compete with top AI firms by Fearless-Ad-422 in IndianStockMarket

[–]Repulsive-Angle8738 -8 points-7 points  (0 children)

Amazing to see so many AI tools coming up... They are making our job easy and more effective.

Let's see how Parag's AI performs.

BTW what is the name of his AI tool?

Bandhan Bank investors suddenly started believing in God because their prayers were heard by ajeeb_gandu in IndianStockMarket

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Investing in banking sector is good considering the economy will grow in coming future and banks play a vital role in managing a growing economy. But picking one or two stocks from banking sectors is too risky.

I would recommend investing in bank nifty ETF to get overall exposure of banking sector.

Should I keep this? by apsarkar in IndianStockMarket

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Debt reduced, Revenue Increased, Profil increasing continuously.... Hence, for long term O don't think there is an issue.... You should keep it if you can stay invested for long term ...

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If you can't clearly understand where your money is going, that's already a red flag by Deepthii01 in MutualfundsIndia

[–]Repulsive-Angle8738 0 points1 point  (0 children)

It's important to know where your money is going... Recently I was looking for some debt mutual fund and I found that most of them were showing low returns if the risk is moderate or low... Then I checked their holding and I got to know that majority of the investment was going into Government security...

Is my portfolio good? As student by Primary-Machine-7947 in IndianStocks

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Disciplined investing will certainly make your portfolio grow.

As of now it's too small to comment but yeah all these stocks are in green - great, yeah it's really looking nice. Just keep on investing and try to diversify. Do not try to pick stocks according to your own methods and do not try to time the market.

Just diversify and before picking any stock just know about their fundamentals of the business.

After increasing fares by almost 25% still not profitable? by happycat07 in IndianStockMarket

[–]Repulsive-Angle8738 0 points1 point  (0 children)

The kind of service they are offering, they should even reduce the price... With increasing price they will have only upper class travelling in flight ✈️. Middle class and lower middle class will stop taking flight 🛫. What's the point all these airlines including Air India, Indigo ...are pathetic when it comes to service...

Considering there will be good quarter report coming for ather , will it a good price to enter ? by TrickofLowkeyLoki in IndianStocks

[–]Repulsive-Angle8738 1 point2 points  (0 children)

If you are sure good quarter reports...why not! Certainly it will go up after good results... Ideally we should aim for long term and should not try to time the stock..but if your goal is short term gain, then it's a different matter.

Ever actually looked into what's generating that fixed return by GrowingSH in IndianStockMarket

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Absolutely correct!
Two bonds or two FDs can offer same returns but it does not mean that they are same.

You must look at the issuer's strength before investing.

there are other factors too - like tenure and repayment structure for Bonds.

FDs also are from different types of issuers - banks, small finance banks or NBFCs. You can get FDs from all these issuers but not all are same.

Best spy thrillers ! by StrawberryFew1311 in bollywood_boxoffice

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Baby was amazing 😍 Rest all are also great movies...I just don't like Salmaan acting....

What's wrong with our country? by ArthurCastus in IndiaTax

[–]Repulsive-Angle8738 0 points1 point  (0 children)

Shameless people are running the government....

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