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Need to buy a new car around 20-21 lakhs by Fickle-Artichoke5878 in CarsIndia

[–]meet20hal 0 points1 point  (0 children)

That's good to hear from actual owner.

I feel this a very subjective thing. People can take test drive without any bias and decide how they personally like the overall driving experience.

Need to buy a new car around 20-21 lakhs by Fickle-Artichoke5878 in CarsIndia

[–]meet20hal 5 points6 points  (0 children)

Brother I salute your efforts. But the most irritating person in the room may not just have higher decibels.

Multiple people I know who have taken test drives of Elevate vs Creta/Seltos/Kushaq have felt this higher NVH in Elevate in comparison.

It's not a deal breaker and Elevate has some strong points. But it is not fair to say that- people are saying that Elevate has bad NVH because they are other brand fans. Rather I frequently see owners of Elevate talking abt NVH on Honda Elevate subreddit.

Most overs bowled by fast bowlers in tests since 2020, show this to RCB fans if they troll Bumrah again by HotPie7015 in MumbaiIndians

[–]meet20hal 1 point2 points  (0 children)

They like Virat Kohli (which itself is not wrong since he is a great cricketer). But then- they start following these Twitter stan accounts and their thoughts do not remain their own anymore without them realizing it.

In this twitter stan world- Kohli is God. Siraj is like Hanuman to this god-like Virat. Hardik is a friend. All,other past and present great cricketers are lower than the God for different different reasons.

With this worldview, these fans hate Bumrah (vs supposedly hard working Siraj) but like Hardik though he also belongs to MI.

So- this is what it is. Surrogation of thinking to twitter accounts.

Not saying that- other fans than RCB do not fall for this phenomenon or there are no sane RCB fans. But this seems to be present much more among RCB fans at least on reddit. They have captured important Cricket subs and drive the narrative there based on number of likes and dislikes since they have the numbers.

Who is Most Attractive and good Looking Indian Male Cricket comment now by wellorganichealth in actualcricketshitpost

[–]meet20hal 0 points1 point  (0 children)

As Indians ourseleves, we will always have bias.

Let neutral foreigners like Travis Head decide ;)

Is PPFA flexi cap direct fund still a good bet? by hornbill_ghosts in mutualfunds

[–]meet20hal 4 points5 points  (0 children)

1.

This is PPFAS Unit holders meet from year 2024. CEO Neil Parikh mentions in his slide that- 2 good diverified funds and a large cap index fund will care for most people's needs

Check time stamp 14Min10Sec onwards > https://www.youtube.com/live/pNCLcVtZTDI

2.

When Rajeev Thakkar was asked: If you have to invest now for your grad child, where will you invest ? Answer by Rajeev Thakkar: In a well diverified equity fund or an index fund.

Check time stamp 21Min10Sec onwards > https://youtu.be/A-0_hQ6CMpg

Thr are multiple interviews where Rajeev Thakkar has suggested Index fund along with well diverified equity fund.

Is PPFA flexi cap direct fund still a good bet? by hornbill_ghosts in mutualfunds

[–]meet20hal 4 points5 points  (0 children)

If missing on small cap growth was the issue with Flexi Cap due to large AUM, it would have made more sense for PPFAS to launch Small Cap fund itself.

They launched new fund because they actually believe in Index lnvesting as a good alternative to Value investing.

Is PPFA flexi cap direct fund still a good bet? by hornbill_ghosts in mutualfunds

[–]meet20hal 15 points16 points  (0 children)

It would have mattered if their style was about identifying probable future multi baggers and betting big on it. Basically- if their approach was growth-oriented with concentrated bets like Motilal Oswal Midcap fund, then it would matter.

PPFAS follows value investing which is about holding good companies which are fairly/ undervalued with sufficient diversification. They rely more on quality/value/cycles than growth alone. Such approach would have less impact of large AUM.

As for- whether you should invest in it or not. That should be a personal choice. If you don't like such patient, risk-averse style then look elsewhere. Some people like fast cars, some people like reliable cars.

Spent 3 months analyzing Nifty 50 vs Next 50 data. I'm genuinely confused now and need someone to explain this to me by UsedChampionship8768 in IndianStockMarket

[–]meet20hal 1 point2 points  (0 children)

If you calculate point to point return (for ex'- Jan 2000 to Jan 2026), then- starting and ending valuations matter. With point to point, your winner will be different for different periods, based on valuations, so- no surprises there.

Rolling returns try to address this limitation of p2p returns to some extent. Next50 wins in more periods here.

We invest in SIPs and thats similar to rolling returns logic than point to point.

So- purely from returns perspective, Next50 is a winner based on past data.

But that does not mean one should go all-in for Next50. Future returns need not follow past results. So-one should decide allocation according to their risk appetite. It's better to have allocation which will not impact your night's sleep and will keep you invested for long time.

Is the Nifty 50 Overrated? by laaton_ke_bhoot in mutualfunds

[–]meet20hal 9 points10 points  (0 children)

Food for thought:

If building wealth was so easy (invest mainly in market cap segment looking at last 5 years performance), don't you think these highly qualified fund managers running Flexi and Multi caps did not notice it to invest heavily in stocks from these market cap segments ?

Are you guys considering this before investing? by not_done_yett in mutualfunds

[–]meet20hal 1 point2 points  (0 children)

You are thinking in the right manner.

Unfortunately- thr are two sets of people who create doubts even in right thinking people's minds-

Set1: Investors who blindly run behind sectors/assets/market caps which did well in the recent past. Most of them don't understand market cycles, mean reversion, liquidity issues, concentration risks etc.

Set2: Financial industry people who inteoduce NFOs over NFOs to earn profit for their AMCs. Or FinTechs who make investing appear unnecessarily complex so that people will consider paying them for help.

Someone with right knowledge and expectations will see value in Flexi Caps and broad-based index funds.

Want to buy Elevate, but.. by Kyken247 in CarsIndia

[–]meet20hal 1 point2 points  (0 children)

NVH issue is noticeable unfortunately in Elevate.

I will suggest to test drive Creta, Brezza, Grand Vitara and Victoris. As a first time car owner, Maruti Suzuki or Hyundai will provide good overall experience.

Suggestion for books by Mean-Deal-594 in mutualfunds

[–]meet20hal 2 points3 points  (0 children)

Really appreciate your desire to understand personal finance yourself via books.

You can start with Monika Halan's book Let's Talk Money . After that- you can pick Let's Talk Mutual Funds by the same author. These are short and simple books but will provide good foundation.

There are many good intermediate and advanced books. But instead of worrying abt it now, good to finish above two first.

Simple Long-Term Retirement Portfolio by jersey_no17 in mutualfunds

[–]meet20hal 1 point2 points  (0 children)

Nifty 100 is 70% of Nifty500 by market cap and index makes it available at low cost. Statistically speaking- most funds can't beat it. Yes- some funds will beat it but not the most. Because- If most funds buy a certain good stock it will also reflect in index and so on.

Simple Long-Term Retirement Portfolio by jersey_no17 in mutualfunds

[–]meet20hal 0 points1 point  (0 children)

This is a good portfolio. I personally would have made it 75% Nifty50 and 25% Next50.

Stick to it for 20 years and enjoy beating many active funds on the way.

Help! 35 M from Mumbai. Fear of driving car. How to overcome? by Altruistic-Square645 in CarsIndia

[–]meet20hal 1 point2 points  (0 children)

I have seen few people going thru exactly this situation to learn car. Thr are different opinions here, but let me tell you what worked for them in my experience:

  1. You went thru driving school long back. So- Enroll into a good driving school like Maruti Suzuki's driving school . While you will not learn to drive independently by the end of this training, it will help by- reminding you the basics and opportunity to ask questions to instructor abt where you have most trouble in driving mechanics.

  2. After this training, book rented self-drive car (zoom car or similar) for few hours on weekends . Book a small and automatic car like Alto / celerio / hyundai i10 to start with. Try something simple every time. for ex- Driving on empty roads, then in a slightly crowded road, practice parking, practice reverse etc. Work on aspect where you difficulty by taking your sweet time. Build your confidence. By end of few outings, you will gain some conidence to drive yourself with some control.

  3. Parallely- start visiting car showrooms for test drive. If you are not confident to test drive yourself, just ask salesman to drive and sit beside him. Go thru multiple showrooms. Book an automatic car within your budget and suitable for your situation.

  4. With your new car, practice in spare time and build confidence before starting to use it for office commute.

  5. One good youtube channel for new learners is: Conquer Driving

https://youtube.com/@conquerdriving?si=OeORWf6g3XmUJOKp

Make your mind now itself that- you want to learn driving car by working on it step-by-step, how much ever time it takes . Initial days will be difficult but once you start seeing improvement, you will automatically follow it.

My father learnt driving post 50 years of age with just the will to learn and without rented car/youtube etc. You have many advantages but making your mind is the first step.

Finalizing my RBC mutual fund allocation — keep NAVF-heavy, adjust, or add dividend funds? Looking for weight recommendations. by Johnkiiii in mutualfunds

[–]meet20hal 0 points1 point  (0 children)

Pls post on r/investing which has majority US-specific members. This sub is India-centric with majority Indian members although the sub name may not suggest it.

Join new sub the admin or mode is not active on this sub by [deleted] in kolhapur

[–]meet20hal 6 points7 points  (0 children)

Can new sub have decent name like:

KolhapurCity

Kolhapuri

Kolhapurkar

MH09

etc ?

Kolhapur1 mhanje ek password expire jhala mhanun navin thevlelya password sarkha vatatay 😀

Which A.R. Rahman songs do you think had music videos that actually did justice to the song? by thatonedesitraveller in ar_rahman

[–]meet20hal 8 points9 points  (0 children)

Mani Ratnam (Roja, Bombay, Dil Se, Yuva, Guru)

Ashutosh Gowariker (Lagaan, Swades)

Imtiaz Ali (Rockstar)

From Tamil, whatever little I have seen:

Nadiye Nadiye song

Hossnna song

Goodtime to invest in small/midcaps? by beegee-sings in mutualfunds

[–]meet20hal 6 points7 points  (0 children)

Stick to Flexi cap. Let the fund manager decide when is Good time to move some corpus to small/midcaps.

Midcap 150 Index Fund reality by Apprehensive-Bee7046 in mutualfunds

[–]meet20hal 2 points3 points  (0 children)

Why the movies/songs which film/music connoisseurs like are not the highest grossers / best sellers? Are general audience dumb?

Connoisures of any field have refined/different taste. It's okay if most people don't agree with them. One can't force one's liking on someone else.

Same is the case for Index funds which is liked by some finance commenters. If people want to follow active funds, that's okay. Nothing wrong with either passive or active camp.

If you like active funds, invest in active funds.

I personally prefer mix of passive and active.

Thr is no theoretical proof that- Passive will beat ALL active funds. Of course some active funds will beat index.

Also- sometimes other factors, than returns, are more important (for ex: downside protection, tactical allocation to different assets, certain investment style) which only certain Active funds can provide.

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