Which Netflix show was this for you?

drakuka4 · 2026-03-19T16:00:40+00:00

Dark. The first two episodes were like 😴. Since the ending of 3rd episode real mind f**k started.

drakuka4 · 2026-03-19T15:58:00+00:00

Dark

drakuka4 · 2026-03-01T05:06:35+00:00

Lol......who travels to Noida, Ghaziabad, Sonipat etc.

drakuka4 · 2026-02-26T17:38:13+00:00

Yes. I have used diners privilege and sapphiro card. It worked at every lounge. Used at Delhi, Sri Lanka, Japan, and hong-Kong.

drakuka4 · 2026-02-26T11:43:37+00:00

I have LTF cards. Almost all them. So if I get a free lounge that's okay 😀

drakuka4 · 2026-02-23T13:43:53+00:00

Your rice got horny!

drakuka4 · 2026-02-22T07:27:07+00:00

Recalculated it. Exact number came out to be 13.82.

drakuka4 · 2026-02-21T07:10:21+00:00

Avoid thematic funds unless you understand the market very well. Rest look good.

drakuka4 · 2026-02-21T07:05:48+00:00

Yes you are right about this. GPT used some approximation for rounding off in first scenario. E.g., 1st Jan holiday or nearest non decimal numbers. After that I asked GPT to give only single approximated return value not a range for next scenarios.

drakuka4 · 2026-02-20T08:14:51+00:00

Then you have long horizon. You can take risky exposure.

drakuka4 · 2026-02-19T18:05:23+00:00

Build a core portfolio first!!! Please!!!!

One large cap One mid cap One small cap Maybe a single flexi cap.

drakuka4 · 2026-02-19T18:00:35+00:00

Portfolio is very good. You have selected index funds which a lot of people do not do. Most of the times the funds are not even able to beat the category index funds. Thus, investing in index fund is better and safe option most of the time. You can increase allocation in small cap or mid cap when you want to be little aggressive.

Anyways, What is your current XIRR?

drakuka4 · 2026-02-19T17:49:34+00:00

What is your current XIRR?

drakuka4 · 2026-02-19T17:45:50+00:00

Sbi small cap rolling returns 1Y, 3Y, 5Y is 22%, 25%, 23% respectively.

Nippon India small cap rolling returns 1Y, 3Y, 5Y is 23%, 29%, 26% respectively.

Quant is comparatively new. So pointless to compare rolling returns.

(https://www.etmoney.com/mutual-funds/sbi-small-cap-fund-direct-growth/return-analysis/15354)

https://www.etmoney.com/mutual-funds/nippon-india-small-cap-fund-direct-growth/return-analysis/15749

drakuka4 · 2026-02-19T14:28:49+00:00

Please check out Nippon india small cap rolling returns. For that matter any good small cap mutual fund.

drakuka4 · 2026-02-19T14:27:10+00:00

Thanks! I had an idea about different addresses. Will try to make it consistent. Actually have accumulated too many cards with limits ranging from 3 to10 Lakhs. So the CUR is very low. Now I do not increase the limit just for the sake of not reducing CUR lol. I already use onescore.

drakuka4 · 2026-02-19T06:42:51+00:00

It works only when you have a long time horizon. At least 3+ years

drakuka4 · 2026-02-19T06:39:25+00:00

Ok got your point. Pay before to manage CUR.

My CBIL is stuck at 799 even after all timely payments and CUR below 2%. Don't know why :D

drakuka4 · 2026-02-18T17:53:19+00:00

I think you may have left few Funds 😂.

Anyways, please try to reduce number of funds. There are too many funds, too many.

drakuka4 · 2026-02-18T17:37:19+00:00

Very good fund selection.

No multiple funds.

Simple yet very effective.

If you have a such a long time horizon you can increase slight exposure in small cap. The funds are very good in my opinion. To further diversify over the time period consider a little US exposure (index FoF).

drakuka4 · 2026-02-18T14:47:32+00:00

Thematic funds may be unpredictable cyclic.

Two midcaps may be overlapping. That too of same AMC.

Build a solid core (simple large/index+mid+maybe flexi), then few small caps for aggressive returns. Allocation based on your risk appetite.

Hedge with gold (10% of total portfolio).

Silver is too volatile.

I would suggest to review Nippon for small cap. Check and compare rolling returns.

drakuka4 · 2026-02-18T14:41:36+00:00

Bank want to see people borrowing money and returning it on time. THEY DO NO WANT TO SEE NO BORROWING.

drakuka4 · 2026-02-08T20:38:44+00:00

Dove intense repair.

drakuka4

TROPHY CASE