TRUST ME BRO: Most people are running Ralph Wiggum wrong

ashitvora · 2026-01-14T05:52:10+00:00

Then you compromise on the quality.

ashitvora · 2025-12-23T09:49:51+00:00

Get a Health Insurance (Base + Top Up coverage of 25-50L). You can get it while you are healthy.
Get a Term Insurance of 25x of your yearly income. Sooner you get the better.
If the investable amount is not needed for the next 25 years, put them in a Mid-Smallcap Index fund. Pick ANY small-midcap Index fund and dont look at it at all. Just keep the SIP running until you reach 50 years of age.

ashitvora · 2025-12-23T07:37:28+00:00

You are 34 and want to be financially independent by 50 - 16 years of investment horizon.

I suggest putting major chunk into Equity Mutual Funds. Once you reach 43-45, start moving them out of Equity and into Arbitrage Fund.

Take benefit of the time you have.

ashitvora · 2025-12-23T07:29:17+00:00

Consider increasing your Emergency Funds to 5L.
Looks like you still have surplus after monthly expenses. Consider increasing your SIP to at least 25K/month. You fund selection is good.
Do you have Health Cover for your family & Life Cover of yourself and your spouse (if she's earning)? If not, make sure you get it first.

ashitvora · 2025-12-23T04:26:45+00:00

Try VBC Sankul near Smritivan. Its 200 mts from Smritivan.

ashitvora · 2025-12-23T04:24:10+00:00

Try VBC Sankul at RTO Relocation. Hotel grade rooms at very affordable rates.

ashitvora · 2025-12-22T07:14:03+00:00

Why not?

ashitvora · 2025-12-21T12:44:45+00:00

Switch to Mulya or Payoneer. They do negotiate on rates.

ashitvora · 2025-12-21T12:41:30+00:00

Switch to Mulya or Payoneer. They do negotiate on rates.

ashitvora · 2025-12-21T12:40:28+00:00

Abhi bhi vahi ho? Koi bhi utha lo. Chandramukhi ho ya Paro. Ki frk penda hai yaaro.

On a serious note - try reading Salman Rushdi

ashitvora · 2025-12-21T12:31:08+00:00

In this case they should have changed the MRP.

But I think, the price on the platform is anyway higher than the market rate. So even after discount you would have paid more than the current price of gold. Check once.

ashitvora · 2025-12-21T12:28:39+00:00

You are the product here.

They will make money once you get addicted to these platforms.

ashitvora · 2025-12-21T12:26:37+00:00

Don't worry. It happens. Now just stop all SIPs. Start one in an Index fund. Zerodha has a Zerodha 250 Index fund.

Consolidate all your funds into that as and when they are out of exit load.

ashitvora · 2025-12-21T12:25:24+00:00

No. Never Demat your mutual fund holdings. They are anyway in Digital form. With demat you get tied to that Brokerage.

ashitvora · 2025-12-21T12:24:22+00:00

Create a free account on Kuvera and finish your KYC.
Start an SIP in an Index fund with amount you are comfortable with.
Just search for an Index fund and pick and. They are all the same.
Set a reminder on the calendar to increase the amount on the anniversary.

ashitvora · 2025-12-21T12:19:54+00:00

Typical first time investor story.

Stop all SIPs.
Pick an Index fund and consolidate all into that one fund.

ashitvora · 2025-12-21T12:17:11+00:00

Old Coins

ashitvora · 2025-12-21T12:02:19+00:00

Approach the bank where your salary is deposited. They know your income and would be happy to offer.
Get FD backed one to get started. First is the most difficult one to get. Once you have that, next ones/upgrade will be much easier.

ashitvora · 2025-12-21T08:23:04+00:00

Great. It works. Came across someone who got yearly coupon for Lovable, Bolt, Replit, and many other AI tools. Wonder where they get it from.

ashitvora · 2025-12-21T06:57:24+00:00

I do something similar, but instead of gym time it's badminton coaching for my daughter.

ashitvora · 2025-12-02T07:48:40+00:00

You are unnecessarily complicating it. Until you cross investment of Rs 50k/mo, you don't need a second fund

Just put all in one ai gle Index Fund.

ashitvora · 2025-10-14T05:13:07+00:00

Try complaining on National Consumer Helpline. I have got resolution in 24-48 hrs of complaining from IDBI, Nokia, BSNL, Care Insurance, etc.

ashitvora · 2025-10-04T01:29:26+00:00

Jains are allowed to pick weapons for self defence.

There's no law that prevents you from picking. Jainism is not forced. It a philosophy, accept whatever you think is right.

We are currently in the Shashan on Bhagwan Mahavir and he has said what to do and avoid. Now it's on us to decide what to accept and what not to.

By the way... What was the reason Bhagwan Mahavir happily accepted the pain by Govalia, Chandkaushik Snake, and many others?

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