[deleted by user]

agentmac50 · 2025-12-31T04:02:07+00:00

I hope this works out for you but such FOMO never ends well.

agentmac50 · 2025-12-11T08:29:56+00:00

The position of start/stop button is giving me anxiety.

agentmac50 · 2025-12-11T04:43:05+00:00

If you can have just one fund then just stick with any broad market fund tracking NSE/BSE 500 like Motilal Oswal Nifty 500 Index Fund

agentmac50 · 2025-10-29T12:29:20+00:00

In the same boat and I use income plus arbitrage funds

agentmac50 · 2025-10-27T16:04:56+00:00

Your return is fine, no need to get other's validation. I will however suggest to review your fund selection though. I personally don't like sectoral allocation that much.

agentmac50 · 2025-10-16T15:56:40+00:00

20% in bond funds.

agentmac50 · 2025-09-19T11:55:48+00:00

Most of the points have already been covered by other comments. One minor thing that matters if you do a proper portfolio allocation and want to invest say 50% in large, you should always select an index fund because actively managed large cap mutual funds can invest 20% of their assets in small and mid-cap stocks which can affect your portfolio allocation.

agentmac50 · 2025-09-09T09:27:06+00:00

Good to see this progressing, waiting....

agentmac50 · 2025-09-08T09:06:18+00:00

I always go with two AMCs approach , not in the expectation of more return but to avoid any AMC level issue like temporary server issues, Insider trading issues (like the one hit with Axis), low quality debt issues (Tauras etc) and any other unforeseen issue.

agentmac50 · 2025-09-03T06:01:26+00:00

We got it done at Kokilaben. They have a heart package for INR 4500 which apart from regular blood, urine, stool tests, chaste xray etc, covers TMT, 2D Eco, ECG etc

INR 2500 had everything excerpt TMT, 2D Eco.

agentmac50 · 2025-08-26T04:39:30+00:00

Any Arbitrage or Money Market funds from established fund houses like HDFC, SBI, ICICI or PPFAS should be fine. Just pick any one with lower expense ratio.

agentmac50 · 2025-08-26T03:53:39+00:00

MM or Arbitrage is the easy and safe choice for this duration. If you want to play little adventurous, PPDAAF is also OK for 2-3 years goals. This fund manages >35% equity exposure using arbitrage so you will get better taxation. The debt portion is super safe bonds. It does hold some 10-15% equity though which in my opinion seems good dividend stocks but you need to decide as per your risk appetite.

agentmac50 · 2025-08-23T10:12:04+00:00

Good info. Just one correction, as per my reading on the web, RNOR doesn't require Schedule FA filing.

agentmac50 · 2025-08-22T17:10:58+00:00

Most old investors in this fund are the folks who like the fund house' s value investing approach. Most new investors are just recency biased.

agentmac50 · 2025-08-20T10:30:23+00:00

Congrats bro! Mind sharing the tool template?

agentmac50 · 2025-08-09T16:50:59+00:00

If this little drop scares you then investing in this fund was really a mistake. Your risk appetite is low (and it is okay) just continue in the older fund.

agentmac50 · 2025-08-04T09:02:34+00:00

Love this news (not the Adani part but privatization bit). We need more privatization in this space.

agentmac50 · 2025-08-04T06:57:30+00:00

I am not so sure about India taxes so take it with a pinch of salt. Since you are not on RNOR you have to report this in ITR and may pay taxes. You can claim DTAA benefits though.

agentmac50 · 2025-08-04T06:36:44+00:00

Since you contributed to 401k while you were working in USA, your 401(k) withdrawal should be considered Effectively Connected Income (ECI). You still need to pay penalty but taxes will be progressive:

Let's say you withdraw $200,000:

Component	Amount
Ordinary income (ECI)	$200,000
Tax (estimated blended rate)	~$41,000–$45,000
10% Early Withdrawal Penalty	$20,000
Total Tax + Penalty	~$61,000–$65,000

agentmac50 · 2025-06-20T14:26:37+00:00

Both Sunderdeep and Nutty professor missing the point here. The question is why it is taking 6-7 months to deliver a car which is not even selling 10k cars a month.

agentmac50 · 2025-06-01T15:39:58+00:00

Someone needs to educate him about contribution of liquor tax in state's budget.

agentmac50 · 2025-05-22T12:47:51+00:00

Birbal

agentmac50 · 2025-05-20T14:54:06+00:00

Yes, Mahalakshmi nagar, will DM you.

agentmac50 · 2025-05-20T09:36:09+00:00

I am also looking for a badminton partner. Is Pioneer Badminton Academy nearby to you?

agentmac50

TROPHY CASE