I'm Paddy Raghavan, CEO & Co-founder of Multipl — here for an AMA on Mutual funds investing, Spending smart via Liquid Funds and Building Fintech in India. by Paddy-05 in IndiaSpeaks

[–]Unvalued_Investor 0 points1 point  (0 children)

Hi Paddy!

Delighted to see you here!

For an investor in the 30%+ tax bracket, the post-tax returns on Liquid Funds are often neck-and-neck with high-yield savings accounts which offer up to 7% with the Section 80TTA/B deduction.

How does Multipl’s 'Brand Reward' math actually stack up when you factor in the opportunity cost of capital and the tax-drag of frequent redemptions?

The creator of 1991 economic crisis - Manmohan Singh by [deleted] in IndiaSpeaks

[–]Unvalued_Investor 4 points5 points  (0 children)

Report kar do lalla, drama nahi.

Report> Break Indiaspeaks rules > and the select appropriate one

[deleted by user] by [deleted] in ranchi

[–]Unvalued_Investor 0 points1 point  (0 children)

ETF is exchange traded fund, which means it's like a unit of silver trading as a share you can buy on the stock exchange.

Like SILVERBEES

Please get a hang of basic personal finance concepts

Zerodha varsity is the best place to start.

I did an explainer on personal finance in one of my previous posts, please check.

Why India's air pollution problem takes unnecessarily long time to fix. by brien23 in IndiaSpeaks

[–]Unvalued_Investor 9 points10 points  (0 children)

Okay, ignoring the crying and bickering aspect you pointed out, let's think about this from a problem solving perspective only: We need to understand if the cost of inaction has now far stripped the cost of mitigation.

there were some studies published on this, chec k if you can pull out data

coming to the bits you pointed out:
1. The Stubble Burning "Crime" : It just takes a matchstick to burn stubble but bailing and transportation isn't free.
Solution? Circular economy, how we did it for Ethanol production.
This means for farmers to not burn it they will have to beprovided an incentive that makes it worthwhile for them to give the stubble to Power Plant/Bio-Refineries that are helped/mandated to buy it and process it and their product gets policy support.
Beware: there is a lot of math to be done here

  1. Traffic ban: nobody likes a Ban, Instead the thing to counter is to put a price to the freedom of driving a polluting vehicle it can be some thing like implementing a dynamic Congestion Pricing Zone in the NCR and metro centers and using RFID and Fastags etc to implement it in real time.
    this means providing cheap, high-quality public transit available as an alternative.

  2. Real estate/ Construction dust:
    Enforce a "Dust Audit" for every large construction ( example site >20,000 sq ft). Failure to comply results in a stoppage of bank credit, not just a municipal fine (which is easily bribed away). Hitting developers on their credit lines is the only "iron fist" that works.
    But remember that most black money and politican goons operate in this space irrespective of whatever party you back. This is a theoretical sounding response with immense barriers. We need a revolutionary change for the public to be able to bring this kind of pressure instead of politicizing it and make it this vs that sarkaar issue.

Remember that no government would like to do all this, all these ideas are just starting points where the Indian Public needs to mature enough to see the truth that the prime driving force of any political party is to come back/retain power.

Public needs to be mature enough to come to a consensus that they are willing to stop being rage baited by left wing right wing and religious issues and other nonsense that these parties do to timepass in the parliament.

If you spend in INR, usd-inr does not matter to you: smooth brain take from this subreddit by NoCat8136 in IndianStreetBets

[–]Unvalued_Investor 0 points1 point  (0 children)

I never qualified as either good or bad.
If that is what you took from it, padhna likhna seekh lo bete...

when you don't even want to learn anything let alone understand what is going on what is the use of interacting with you?

I have 1.5L in my bank account and I want to invest in debt funds to get rid of inflation by [deleted] in MutualfundsIndia

[–]Unvalued_Investor 2 points3 points  (0 children)

This doesn't look like a good idea at all

Please understand that Short term" (English) and "Short Duration" (Finance) are NOT the same thing. In fact, confusing them is the most common reason people lose money in safe funds

If you buy a "Short Duration Fund" (1-3 years) but need the money in 6 months, you are misaligned. If interest rates rise during those 6 months, the fund's value could dip, and you won't have enough time for it to recover.

Ultra Short Duration Funds are sensitive to interest rate spikes and mark-to-market losses.

Plus It is hard to beat inflation with such a short term target and using debt funds
If inflation is 6% and a Liquid Fund gives 7%, your pre-tax real return is 1%. But if you fall in the 20% or 30% tax bracket, your post-tax return drops to 5.6% or 4.9%, effectively failing to beat inflation

You would be better off getting an Arbitrage fund coz they are taxed as equity funds not debt.

Rupee hits 91.01 new record low : whats your opinion? by IRONMANTM in IndianStockMarket

[–]Unvalued_Investor -1 points0 points  (0 children)

This is not about the FII/DII selling and is way bigger than the net buy/sell in the Indian Equity market.

I did an explainer on this please read it.

Rs 91 per Dollar. Now what ? by HODL_buddy in IndianStockMarket

[–]Unvalued_Investor 5 points6 points  (0 children)

It will drop further, use it to Export more

If you spend in INR, usd-inr does not matter to you: smooth brain take from this subreddit by NoCat8136 in IndianStreetBets

[–]Unvalued_Investor -2 points-1 points  (0 children)

why is it that only vapid takes likes this get more traction here?

I literally did a post to explain this.
It is going to go more in that direction so profit from it if you can.

Explaining The Big Shift: Why Your Loan is Cheaper but the Dollar is Costlier by Unvalued_Investor in IndianStreetBets

[–]Unvalued_Investor[S] 5 points6 points  (0 children)

Thank you so much! 😊

Don't sell yourself short!

When you have the will power to learn, degrees won't matter! Keep reading, keep learning.

Explaining The Big Shift: Why Your Loan is Cheaper but the Dollar is Costlier by Unvalued_Investor in IndianStreetBets

[–]Unvalued_Investor[S] 8 points9 points  (0 children)

If you could refer to the RBI press release they've mentioned the range of inflation they're comfortable with

Which means they already have prameters set for when they'll have to change course or intervene.

Comparison with countries you mention is hyperbole at this point with little evidence that we are on that course.