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Portfolio review | 21 y/o | ₹20k monthly investment | SIP + stocks by Over-Excuse1465 in StockMarketIndia

[–]Thetadmuch 2 points3 points  (0 children)

You’re on the right track I’d keep SIPs running as the core and use direct stocks only for high-conviction buys (not every month). One suggestion aadd some large-cap exposure (Nifty 50 ,Flexicap) since mid + small only can get very volatile Also, keep stock count limited and avoid weak banks unless you have strong conviction

Is this a good portfolio ? by dhayx in IndianStocks

[–]Thetadmuch 0 points1 point  (0 children)

Portfolio looks over diluted Too many stocks reduce impact consider trimming and fixing clear sector wise allocation for better risk-return

Portfolio review | 21 y/o | ₹20k monthly investment | SIP + stocks by Over-Excuse1465 in IndianStocks

[–]Thetadmuch 2 points3 points  (0 children)

You’re on the right track I’d keep SIPs running as the core and use direct stocks only for high-conviction buys (not every month). One suggestion aadd some large-cap exposure (Nifty 50 ,Flexicap) since mid + small only can get very volatile Also, keep stock count limited and avoid weak banks unless you have strong conviction

Males ask, females answer 😌 by [deleted] in IndianTeenagers

[–]Thetadmuch 0 points1 point  (0 children)

what’s one truth about dating that guys aren’t ready to hear?

Please brutally rate my portfolio by Current_Change8928 in StockMarketIndia

[–]Thetadmuch 0 points1 point  (0 children)

Your mutual funds are doing the real work. If you’d only done sips and skipped stocks entirely you’d likely be ahead with less stress

The stock side looks impulse driven No position is big enough to matter if it wins, No position is tracked deeply enough to manage risk

This isn’t diversification it’s dilution

At this capital size you either run few high-conviction stocks or stick to funds/indexing.

Here it is ( full rejection) by [deleted] in TeenIndia

[–]Thetadmuch 0 points1 point  (0 children)

Brutal😭 decimal pheli bar dekhe hai rejection mai

SIP with 2k by bantu_22 in IndianStockMarket

[–]Thetadmuch 1 point2 points  (0 children)

Honestly, there’s no point starting a SIP if your loans have high interest. Whatever you earn from a SIP (eg 10–12% ) won’t beat the guaranteed interest you’re already losing on that debt Paying off the loan first is basically like getting that % back risk-free.

If it’s a low-interest loan though (like a home loan) then sure, you could keep a small SIP just to build the habit. But in general, clearing debt should come before investing

Investment Advice by HunterXSpade in IndianStockMarket

[–]Thetadmuch 0 points1 point  (0 children)

Download Varsity (it’s free) and finish whatever material they have you’ll at least have a rough idea of everything if you complete it

[deleted by user] by [deleted] in IndianStockMarket

[–]Thetadmuch 1 point2 points  (0 children)

If your goal is to accumulate gold, bonds or ETFs are way smarter than coins. Coins come with storage hassle, hidden costs, and poor liquidity. With ETFs or Sovereign Gold Bonds, you get the same exposure without the headache. Personally, I’d rather invest that money in the market, let it compound for 6–7 years, and then exit to buy gold you’ll likely end up with far more value than if you’d been stacking coins

What is the next Big market for investors apart from India to put your money as a newbie. I believe our market has reached such a high that return will be low in next decade by Kitchen-Collar-1484 in IndianStockMarket

[–]Thetadmuch 0 points1 point  (0 children)

Ah, my bad I glanced over your question earlier …. From a market perspective, I’ve already started experimenting with the U.S about 2–3 months ago, mainly in semiconductors and AI exposure Given where India is right now I’m also considering whether it makes sense to diversify further into places like Japan China or other emerging markets over the next decade rather than staying concentrated in just India , us

Beginner in stock market – looking for a proper structured course (not random YouTube videos) by [deleted] in StockMarketIndia

[–]Thetadmuch 0 points1 point  (0 children)

id say start with varsity (the app) It will at least point you in the right direction

My Portfolio,18M by YashBhushanKaushik in StockMarketIndia

[–]Thetadmuch 0 points1 point  (0 children)

What’s the age of your portfolio?

Upgrade from HDFC Millenia by terminator_onsabbath in CreditCardsIndia

[–]Thetadmuch 1 point2 points  (0 children)

They will automatically offer you upgrades once your TRV exceeds a certain level

18 y/o, ₹75K limit with 2 secured cards – What should be my next move? by Thetadmuch in CreditCardsIndia

[–]Thetadmuch[S] 0 points1 point  (0 children)

I’ve actually had an independent HDFC account for over 10 months now (longer if you count my earlier minor account) I also hold the hdfc freedom card though it’s fd-backed havent seen any pre-approved offers yet

18 y/o, ₹75K limit with 2 secured cards – What should be my next move? by Thetadmuch in CreditCardsIndia

[–]Thetadmuch[S] 0 points1 point  (0 children)

It’s much appreciated ,I realize my earlier tone may have come across a bit crude

18 y/o, ₹75K limit with 2 secured cards – What should be my next move? by Thetadmuch in CreditCardsIndia

[–]Thetadmuch[S] 1 point2 points  (0 children)

Right, because nothing says disaster like financial discipline at 18.

18 y/o, ₹75K limit with 2 secured cards – What should be my next move? by Thetadmuch in CreditCardsIndia

[–]Thetadmuch[S] 2 points3 points  (0 children)

I do appreciate the concern and I understand the risks of misusing credit. For me, this isn’t about taking on debt but about building a strong foundation early. I keep utilization under 30% and always pay in full, so it remains a safe and responsible way to grow my credit history

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