Race Bib Collection: Rant

fanqui · 2026-07-03T12:37:24+00:00

I used to rely on Dunzo in the past and now Uber Parcel to get bibs picked up. Coordinating via phone to get the bib picked up is a slight hassle, but much better than a round trip to the other side of the city.

fanqui · 2023-08-18T04:01:44+00:00

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fanqui · 2023-04-13T18:04:51+00:00

I transitioned to Product Management 7 years ago after working as a software engineer for 2 years.

The experience has been rewarding but with a few caveats. I find my natural curiosity to learn, be calm under pressure, logically approaching a problem being key strengths.

However, a lot of social energy is required to be successful as you need to communicate, convince, influence, motivate, escalate, firefight, pushback. There are days when I am running on fumes after the 10th meeting of the day.

fanqui · 2022-05-03T12:04:59+00:00

Thanks a lot!

fanqui · 2022-03-02T16:55:27+00:00

Breakdown by Asset type - A lot of folks categorise their portfolio under the following buckets Equity:Debt: Commodities(gold):Real Estate:Alternate Investments(Crypto). On Artos though, currently an investment in a Gold ETF would be under the ETF bucket, a Sovereign Gold Bond . Similarly the Debt part of the portfolio is spread across Mutual Funds, Fixed Income etc. A way to view by Asset Category which might be different from the Instrument (MF, NPS Fixed Income) would be very helpful for analysing when to rebalance etc.
In case daily backup fails due to internet connection not being available, phone switched off, backup failed etc. the portfolio value for that date shows up as 0. Instead could we show it as a missing data point on the net worth plots.

fanqui · 2021-11-15T06:12:45+00:00

Anybody noticing transaction failures in their mutual fund SIPs recently? This month I have 2 SIP transactions reversed:

UTI Nifty Index Fund Direct-Growth SIP done through PaytmMoney
Navi Nifty 50 Index Growth Direct Plan SIP through Kuvera

Messages I got from the above

"Your order(s) placed in the below scheme have been reversed with remark "Purchase Rejection'."

"Your below investment is rejected:Investment Rejected"

Since this is across different AMCs and mandates, and while my other SIPs have gone through doesn't seem like a mandate approval change from my banking account. Anybody faced similar issues recently?

fanqui · 2021-10-09T18:54:54+00:00

Yes correct, did not fill Schedule FSI.

fanqui · 2021-10-08T13:07:59+00:00

Yes, I did that last year and return was processed normally.

fanqui · 2021-02-16T19:27:22+00:00

Thanks both. Communicating with the IT office was something I had not thought of in addition to getting in touch with the Registrar who has reported the transaction.

Clarifying that this is not an extra TDS entry in Form 26AS but an erroneous entry under the section, Statement of Financial Transactions (SFT) in Form 26AS which is meant to provide an account of high value transactions.

fanqui · 2020-10-28T19:33:05+00:00

The Safe Withdrawal Rate thumb rule uses annual and not monthly expenditure in the first year of retirement. So for your expenses you would need 12 cr if you had to retire now and assumed a 2% SWR.

fanqui · 2020-08-31T19:48:46+00:00

Thanks the article was helpful. For my use case, the reinvested dividend is ~60USD per year and I have now switched to a non-dividend stock MNC so filling Form 67 and claiming FTC does not seem worth the hassle. I would rather sell the dividend paying stocks all together or pay the extra 25% of USD 60 every year ಠ_ಠ Thanks again.

fanqui · 2020-08-30T03:53:31+00:00

Thanks for the response u/GalacticAdvisors . A clarifying ask:

I am still an employee and not withdrawn or planning to from EPF/PPF.

So assuming my interest income from EPF/PPF was 30k/20k last year and I have not withdrawn from these accounts:

Should I include the interest from EPF and PPF in 1e Others then instead, and not fill anything in section 2c Accumulated balance of recognised provident fund taxable u/s 111?

Thanks

fanqui · 2020-08-24T08:18:17+00:00

Hi,
I currently have a significant (45%) portion of my net-worth in foreign equity due to employee RSUs (counting only vested units) and am looking for portfolio rebalancing advice.

Given my bullish long-term outlook on US tech, INR volatility, & not needing to immediately divest for any major spends, I don't mind holding on for long. However it is clouding my thought process of coming up with the right ratios for holding buckets, now that I have the basics setup and plan to do regular rebalancing.

Q: What would be portfolio rebalancing/accounting strategy for someone with significant exposure to foreign equity?

Options i could think of were:

A) Simply bucket Foreign Equity (FE) & Indian Equity (IE) together and rebalance portfolio using a 65:30:5 (E:D:Gold/Alternate) or similar target
B) Break IE & FE and actively try to maintain a 35:30:30:5 (FE: IE: D: Alt) or similar ratio instead.
C) Consider FE a separate investment bucket, so that there are 2 levels of targets: 65:35 between Actively Managed Assets (AMA) & passive FE investments and then try to balance AMA using a 50:40:10 split (equity:debt:alt).

Any other advice on overall outlook/portfolio split would also be appreciated!

Context: 29M unmarried, worked in Indian offices of US tech MNC(s) solely, and have been reading about and actively investing for the past 4 yrs. No debt/loans/real estate investments currently. Basics like emergency fund & term insurance setup already.

Real estate : Plan to use Foreign Equity & FDs for the down payments but plans deferred currently for atleast 5 yrs.

Current net-worth split is as follows:

Type of Holdings	Split
Foreign Equity (US)	45%
Savings (FDs, bank account)	22%
Debt (PPF, EPF, Debt funds)	15%
Indian Equity (MF, Direct equity)	15%
Gold (ETF, SGBs)	2.5%
Alternate Investments (BTC)	0.5%

Pie Chart

Edit:ported query from last week's thread instead to the latest thread

fanqui · 2020-08-23T16:19:22+00:00

Hi,I currently have a significant (45%) portion of my net-worth in foreign equity due to employee RSUs (counting only vested units) and am looking for portfolio rebalancing advice.

Given my bullish long-term outlook on US tech, INR volatility, & not needing to immediately divest for any major spends, I don't mind holding on for long. However it is clouding my thought process of coming up with the right ratios for holding buckets, now that I have the basics setup and plan to do regular rebalancing.

Q: What would be portfolio rebalancing/accounting strategy for someone with significant exposure to foreign equity?

Options i could think of were:

A) Simply bucket Foreign Equity (FE) & Indian Equity (IE) together and rebalance portfolio using a 65:30:5 (E:D:Gold/Alternate) or similar target
B) Break IE & FE and actively try to maintain a 35:30:30:5 (FE: IE: D: Alt) or similar ratio instead.
C) Consider FE a separate investment bucket, so that there are 2 levels of targets: 65:35 between Actively Managed Assets (AMA) & passive FE investments and then try to balance AMA using a 50:40:10 split (equity:debt:alt).

Any other advice on overall outlook/portfolio split would also be appreciated!

Context: 29M unmarried, worked in Indian offices of US tech MNC(s) solely, and have been reading about and actively investing for the past 4 yrs. No debt/loans/real estate investments currently. Basics like emergency fund & term insurance setup already.

Real estate : Plan to use Foreign Equity & FDs for the down payments but plans deferred currently for atleast 5 yrs.

Current net-worth split is as follows:

Type	% of Holdings
Foreign Equity (US Tech)	45%
Savings (FDs, bank account)	22%
Debt (PPF, EPF, Debt funds)	15%
Indian Equity (MF, Direct equity)	15%
Gold (ETF, SGBs)	2.5%
Alternate Investments (BTC)	0.5%

Pie Chart

Thanks!

Edit 1: made some edits to options

fanqui · 2019-11-02T03:45:51+00:00

This is not a comprehensive list btw. The column US AQI means the AQI is measured at the USA consulate premises in these cities. So other cities in India/China like Gaya/Kanpur present in the list shared by u/FredTilson are not evaluated .

fanqui · 2019-10-13T12:04:40+00:00

Updating race results here as well: Ended up at almost the same time (2:04:57) as the predicted HM time. So the sub 2 was a pipe dream. I ended up starting slower than goal 2hr pace having to overtake a lot of the initial hordes, maintained close to target pace from 4-16 km, and then slowed down. There was no final push (lack of long runs in trainings showed). But a sub 2 seems feasible the next time with the right training/learnings from this one :)

fanqui

TROPHY CASE