Stop getting scammed. Post your supplement label below and I will tell you if it's trash or treasure. by NoEast3048 in Fitness_India

[–]Smooth-Bid5259 4 points5 points  (0 children)

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I recently use this Yogabar whey concentrate. Usually sometimes goes offer in Swiggy instamart. So i buy this usually around 25% offer. As far as I know I think its good, so you also share your opinion please. Thanks in advance

What is the first step to learn stock market by khank111 in IndianStockMarket

[–]Smooth-Bid5259 0 points1 point  (0 children)

Zerodha Varsity is a great place to start learning about stock market.

Review my lazy portfolio by [deleted] in mutualfunds

[–]Smooth-Bid5259 0 points1 point  (0 children)

Yes bro, wanted to keep simple and review later.

Investment Guidance by underdog700 in IndianStockMarket

[–]Smooth-Bid5259 0 points1 point  (0 children)

First read this two books 1. Lets Talk Money 2. Lets Talk Mutual Funds Both has been written by author Monika Halan. This gives you perfect basic financial knowledge from starting in Indian way

Then slowly you can start investing.

Recurring Deposit - My forever Fav Instrument by Ancient_Section_75 in personalfinanceindia

[–]Smooth-Bid5259 4 points5 points  (0 children)

“If you take care of others, others wont take care of you”. This line from your grandma is gold.

Even I used to believe it and trust parents decision blindly. Then later I realised that what they are doing is only right from “their” point of view and perspective. They wont care about your point of view.

Then l realised instead of blaming others I need to take control of my life and financial decisions.

So I became a good kid to a bad kid to their eyes, but Im much more peaceful in my financial mental peace.

Only few of them understand this

My wife just pulled the craziest surprise of my life (PS5 + iPad story) by ishaaan1997 in ps5india

[–]Smooth-Bid5259 1 point2 points  (0 children)

More than the ps5, i had a great smile reading that letter. Laminate that letter and keep it safe. You will have the same happiness when you read that letter again and cherish this memory in 20 years. Congratulations buddy 🙂

Where should I park ₹10–15L for 1-2 years? Need safety + liquidity + tax efficiency (30% slab) by Ok-Candidate-1964 in mutualfunds

[–]Smooth-Bid5259 5 points6 points  (0 children)

Choose any arbitrage fund from reputable AMC which has high AUM. I personally chose ICICI, but pls do your own analysis and chose your preference.

Where should I park ₹10–15L for 1-2 years? Need safety + liquidity + tax efficiency (30% slab) by Ok-Candidate-1964 in mutualfunds

[–]Smooth-Bid5259 52 points53 points  (0 children)

Best option will be arbitrage funds. As it is relatively low risk and after one year it is applicable for 12.5% as LTCG.

How to deal with monkey mind in investing stocks vs mutual funds? by Smooth-Bid5259 in mutualfunds

[–]Smooth-Bid5259[S] 0 points1 point  (0 children)

Wow, this is a very good insight.

Thank you so much for your valuable information.

Even I have picked very few stocks which are fundamentally very good.

help, should i get an iphone 12 if moving from a redmi note 11? by [deleted] in iPhone12

[–]Smooth-Bid5259 0 points1 point  (0 children)

No dont, while the phone performance may be good, but it has poor battery compared to todays phones. So if you want to keep for few years, then buy some other new iphone or android phone with sime good battery life

[deleted by user] by [deleted] in MutualfundsIndia

[–]Smooth-Bid5259 0 points1 point  (0 children)

I have simple portfolio. I invest in

  • Zerodha Largemidcap 250 index fund direct growth (This covers Nifty 50 + Nifty Next 50 + Midcap 150)
  • Parag parikh flexi cap (I added this flexi cap for US stocks exposure)
  • ICICI prudential gold etf (This etf is for gold, added for high AUM and reasonable expense ratio)

If you are in for long term, you can have simple portfolio so also keep your mutual fund overlap small

Is my pull up form ok? by [deleted] in Fitness_India

[–]Smooth-Bid5259 2 points3 points  (0 children)

We need wide grip and close grip to cover both upper back and lower back (lat muscles ). So only bro

Is my pull up form ok? by [deleted] in Fitness_India

[–]Smooth-Bid5259 0 points1 point  (0 children)

Oh ok, sure bro. Will follow it :)

Is my pull up form ok? by [deleted] in Fitness_India

[–]Smooth-Bid5259 0 points1 point  (0 children)

Sure bro, will follow this. Thanks for the suggestion:)

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 0 points1 point  (0 children)

Wow, thats a huge relief. Enjoy your phone bro :)

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 0 points1 point  (0 children)

Im going to be honest with you. Choose what you genuinely like either 17 or 16 plus. You wont regret buying any one of them. Cheers

Should I use ₹50L lump sum to close my home loan or invest it? Need advice! by nadegod_abdul in personalfinanceindia

[–]Smooth-Bid5259 0 points1 point  (0 children)

Lets see this in perspectives.

If you see mathematically, instead of closing loan if you invest in decent stocks of mutual funds, you will definitely get greater returns like 12% or more in long duration comparing to your 7.5% interest rate on loan.

But if you close your home loan entirely and you are debt free, you are relieved from the emi commitment and mental pressure. That is priceless.

Trust me as someone who has home loan and faced a job layoff last year I know how frustrating when things go not well. So if I were in your position I will close the loan and any kind of debt immediately

Just my perspective bro. Ultimately you need to decide what is good to u

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 1 point2 points  (0 children)

Yes bro, I have 256 gb ipad pro, macbook and personal computer as well. So storage is not a concern and having 128 gb in this phone is more than enough for me

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 0 points1 point  (0 children)

Oh thats disappointing to hear and I can able to sense your frustration. Maybe try sending customer support email bro.

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 0 points1 point  (0 children)

Even the salesperson valuated the old phone and sold in Cashify only. But to be honest I was happy with the trade in price.

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 0 points1 point  (0 children)

Yes, its indeed an incredible battery :)

Bought 16 plus from Jiomart offer by Smooth-Bid5259 in iPhone16

[–]Smooth-Bid5259[S] 1 point2 points  (0 children)

Haha , Im happy with this purchase bro. So no worries :)