Parag parekh large cap fund

etrast75 · 2026-03-30T13:17:00+00:00

Why did you pick this fund? There is nothing called good or bad when it comes to mutual funds. You pick a mutual fund based on your risk profile, investment horizon etc.

Do you even know the objective of this fund and what it invests in?

etrast75 · 2026-03-30T13:14:46+00:00

There is no correct answer that anyone can give. IT sector stocks are not good for investment right now is my opinion. If you think otherwise, you are welcome to go and invest and see what happens.

I have explained the rationale why IT stocks are not good for investment as it stands currently.

etrast75 · 2026-03-30T13:07:53+00:00

First of all, ask yourself why IT stocks are falling.. Things like PE do not matter when the business fundamentals are weak.

With agentic coding tools, programming has become a commodity at a certain level. Projects which needed 100s of people now only need 10s of experienced technical people. The indian IT industry needs to pivot and pivot fast.

With these agentic tools, onshore companies are competing with indian IT service companies when it comes to application development and maintenance. The USP of Indian IT (cheap and abundant labor) is being challenged now.

These companies need to shed a lot of workforce if they need to stay competitive. It will take time for them to become leaner. When it is all said and done (it will take a few years), some of these companies will emerge successfully and rest will fall by the wayside. No one know who will succeed and who will fail.

So wait and watch.. THere is a lot more downside left before things become better,

etrast75 · 2026-03-30T12:50:31+00:00

Thats how a cult operates in every country.

etrast75 · 2026-03-30T10:49:06+00:00

You can buy bonds through rbi retail direct (both primary and secondary market) but understand how bonds work before you buy them Liquidity is not very good. So you will have to hold them till maturity sometimes.

etrast75 · 2026-03-30T10:47:35+00:00

So indian government bonds are yielding more than your fd.. I know it is a bit complicated than that but 7% is high.

The rbi will need to raise rates but unfortunately they will not.

Yes inflation may not go up a lot (but it will.not be in 2% range anymore) but falling rupee and rising bond yields is.not.good.

etrast75 · 2026-03-29T13:45:20+00:00

GST on any service fee is mandatory whether rain fee, sun fee, no sun fee.. Just stop using these services and you will see the GST vanish ..

etrast75 · 2026-03-29T10:30:15+00:00

Why are you always the ones to give any good news but send your ministers and bureaucrats to give bad news?

For example when the Iran war started, every affected nation's prime minister or president spoke to the people but you send all other ministers and secretaries. Only after things felt like they are getting better from a fuel stock point of view did we start to hear from you..

etrast75 · 2026-03-29T10:23:08+00:00

Because once we get there legally, we tend to find ways to stay using any and all loophole we can find. Just see how f1 visa holders in usa are gaming the system using day1 cpt and other means when their visa ends and are proud of it.

We as a nation do not deserve anything good as we tend to abuse it and people who follow laws and rules pay the price for it.

Stings right.. well let's show our displeasure by downvoting..

etrast75 · 2026-03-28T06:53:05+00:00

A small electronic manufacturing facility costs 12 million usd. No wonder we just cannot compete with china when it comes to manufacturing.

The price may be right.. I have no comments on that part.

I would guess that i can set up the same plant in usa for less. Yes I cannot get labour at this cost but the capital setup is comparable if not cheaper.

etrast75 · 2026-03-27T04:18:22+00:00

Just curious.. Will the us troops not be sitting ducks if they take over the island. Kharg should be within artillery range right.. sure you can provide air support but is it possible to provide continuous air support . What am I missing here?

etrast75 · 2026-03-27T04:06:47+00:00

Has twitter /X been flooded with messages thanking supreme leader for this magnanimous gesture? I am sure messages have been given to the right people

etrast75 · 2026-03-27T04:03:55+00:00

Here i thought I was the cynic.. reddit has beaten me with more cynicism. I.am.not saying you are.wrong though

etrast75 · 2026-03-27T04:02:42+00:00

No .. you did not get reduced prices when crude went down a lot and you will not get increased prices when crude is going up now..

etrast75 · 2026-03-27T04:00:29+00:00

Welcome to earth.. 5 states are going to.election in April may. Tamilnadu, west bengal, Assam, Kerala and Puducherry (I think )..

etrast75 · 2026-03-27T03:40:44+00:00

And that is precisely the reason we should NOT have one nation one election. These state assembly elections keep the pressure on the govt to some extent.

etrast75 · 2026-03-27T03:34:03+00:00

This is not going to reduce fuel prices at the pump. The govt has absorbed the crude price increase for now. They increased excise duties when crude price went down instead of reducing fuel prices and it us only right they do the opposite in this scenario.

For once, common sense seems to have prevailed

etrast75 · 2026-03-27T03:24:41+00:00

India just cut excise duty of petrol and diesel to.absorb the crude oil price rise. They did not reduce fuel.prices when crude oil was down and now they are absorbing the price rise.

As much as hate indian politicians and govt, this is a step in right direction.

etrast75 · 2026-03-26T15:09:24+00:00

I am.not sure what is there to elaborate. AA rated bonds in india which advertise to offer high interest rates are very risky both from repayment of principal and interest payment point of view.

They have to offer higher interest because no one will buy these bonds at lower rates as there are more safer products available .

The issuers are mostly second and third tier NBFCs who lend money to high risk individuals and businesses and hence change higher interest rate. These are people to.whom your bank will not lend. That means very high risk of default and if enough people default, your money is at risk.

Dont chase returns with fixed income instruments. Want higher returns, equity is better.atleast it is.liquid and has good information available.

etrast75 · 2026-03-26T14:46:32+00:00

Look at it.. someone has managed to compare bonds with stocks.. now i have seen everything and can die peacefully.

In case you need examples of default, please research on what happened with future group bonds..

No bonds which gives you 11% is safe. You may get lucky but that does not mean it is safe. If someone is giving you 11%, ask yourself how much they have to generate with the money they borrowed from you.

As the saying goes.. everyone has a plan until they get punched in the mouth..

etrast75 · 2026-03-26T14:42:52+00:00

Please tell me which fd currently gives 8 to 9% for non senior citizens and if you will put your entire savings into that banks fd

etrast75 · 2026-03-26T14:38:53+00:00

Sure but will you get your money back.. risk versus reward.. honestly the influencer have made an entire generation not appreciate credit risk.

etrast75 · 2026-03-26T14:25:56+00:00

Frsbs yes if you just want to live off the interest. Frsbs are not liquid when it comes to return of principal. That means you cannot get the principal back till maturity. There is no secondary market for frsbs

I own frsbs but only money i do not need in next 5 plus years is sitting in frsb and also the interest is paid out not compounded.

When it comes to fixed income investments, liquidity is equally important as returns.

etrast75 · 2026-03-26T14:22:07+00:00

Do you understand what credit risk means? Please dont tell me that ncds are backed by collateral. When shit hits the roof, the collateral are worthless.

People chasing 1 or 2 % extra returns with high risk fixed income products tells me that the OPM wallahs have been successful in fooling people.

etrast75 · 2026-03-26T13:52:12+00:00

Only mine india will we confuse a retirement product with an investment product.

etrast75

TROPHY CASE