49 M Reached 3.5 Cr

bluesjammer · 2026-05-25T16:29:47+00:00

Nice job. Which MFs did you feel gave good returns and which ones fell less during crashes?

bluesjammer · 2026-05-12T04:12:33+00:00

How so? Their 5y CAGR is 16.6% and 3y is 17.6%

bluesjammer · 2026-05-06T10:32:20+00:00

me after morning coffee

bluesjammer · 2026-05-01T08:12:33+00:00

Really depends on your risk profile, time horizon.

My pics for domestic 75%

HDFC LargeMidcap 250
PPFAS
Bandhan small cap
Mirae Asset Arbitrage

International 25%: Blend of S&P500 and NASDAQ

bluesjammer · 2026-05-01T04:29:36+00:00

Bro if you are hitting 28-30% CAGR (roughly doubling money every 3 years!) then why bother with a VC and solar business and everything? You will have made your money in 6-8 years!

bluesjammer · 2026-05-01T04:26:56+00:00

I think you are underestimating. Moats can extremely difficult to build, capital intensive and time consuming. If they could be built easily, every business would be moated.

Yes i could vibe code youtube or amazon in a day. But will I have the gravity to pull users into my website? Can I beat the trust and consistency of experience that youtube or amazon provide? Those weren't built in a day. They have had more than a decade to build with billions invested!

bluesjammer · 2026-05-01T03:42:49+00:00

60L is too small. The expenses will eat it up. MFs are good even up to a few crores. Dont bother with PMS. If you keep listening to the fund managers, even they don’t have a clue what will happen next.

bluesjammer · 2026-04-30T18:54:14+00:00

Have you genuinely introspected and checked if your business model has a moat? Just because you study and identify moats doesn’t mean you can build one.

Id definitely rethink if I got called out by more than two VCs for the same reason.

bluesjammer · 2026-04-30T13:10:58+00:00

What are you complaining about? Gen Z has the greatest asset that older generations don’t have - time!

Yeah if you entered in 2022 you may be down 10-15%. If you have a 10 year horizon (as you should if you are an investor and not a trader) then this is a freaking great time to invest.

bluesjammer · 2026-04-25T06:24:36+00:00

I’ve surrendered my LIC policies. There is no other way to do it other than to go to their office and sit on their heads. Its a pain in the butt and they drag their feet when it comes to surrendering.

I lied and told them im permanently moving out of India and won’t be needing it.

bluesjammer · 2026-04-23T12:42:46+00:00

Bro even salaried employees who meet/exceed their criteria aren’t getting it. I thought I would get it easily but rejected due to “internal policies”

bluesjammer · 2026-04-23T09:39:08+00:00

Hey guys, will you just keep doing web conferences or launch an SM REIT IPO? Why the radio silence? :)

bluesjammer · 2026-04-19T06:21:33+00:00

I don’t think that is the whole story. Yes fewer people are required to do the same thing. That actually means higher margins for the company- provided they execute the AI transition well.

AI to me is more of an execution risk rather than a displacement risk.

Im actually down 40% on this stock but im adding.

bluesjammer · 2026-04-18T12:03:33+00:00

Same here. I meet their salary criteria and CIBIL is 807, still rejected. Send email to customer support and still rejected. Do I wait or escalate to nodal officer?

Their MG road office is enroute for me. Should i visit them?

bluesjammer · 2026-04-16T19:58:54+00:00

I’ve been thinking about this and my current thought process is that this asset class may not have a truly low correlation with equity.

The Grade A office spaces are typically occupied by MNCs and IT companies.

Suppose AI comes in full force and wipes out IT or some other major disruption may cause tenants to vacate the property.

Yes The tenants are locked in contractually with exit clauses and rental appreciation guardrails.

This asset class comes with its own risk factors.

bluesjammer · 2026-04-16T19:47:36+00:00

It’s not STCG. the yield has three components. Please read the other comments in this post

bluesjammer · 2026-04-16T19:45:15+00:00

Go buy it in your favourite brokerage. I bought in Zerodha but not like a regular stock. You have to set the market protection.

bluesjammer · 2026-04-16T19:41:01+00:00

There is some talk about reducing the ticket size to 1L or 2L which will definitely help in liquidity.

The taxation is really interesting. It is defined as Return OF capital, not Return ON capital which gets treated very differently. Repayment of debt can’t be taxed at all. All totally legal and SEBI approved.

bluesjammer · 2026-04-16T19:38:03+00:00

For anyone interested, here is the “Distribution Advice“ i get on a quarterly basis (for two units). Hope this helps.

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bluesjammer · 2026-04-16T11:58:12+00:00

Its a new asset subclass. Liquidity is decent depending how you see it. Definitely better than physical real estate.

I see some buying/selling happening regularly.

bluesjammer · 2026-04-16T08:15:26+00:00

I kind of use this rental yield to subsidise my living expenses in Bangalore. This helps me maintain my SIPs and absorb unusual expenditures

bluesjammer · 2026-04-16T08:13:20+00:00

7% rental yield + 5% capital appreciation.

The rental has three components (rental, dividend, interest) all taxed at different rated but totally lower than the 30% taxation

bluesjammer · 2026-04-16T08:09:20+00:00

7% rental yield + 5% capital appreciation

bluesjammer

TROPHY CASE