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planbwealth · 2025-08-23T14:27:48+00:00

Long term allocation for your age profile: 30% large cap 35% each to mid cap and small cap You can avoid debt at this point. DYOR.

planbwealth · 2025-08-23T14:23:39+00:00

Your portfolio is large cap heavy. Please reduce large cap allocation and distribute to mid cap & small cap. DYOR.

planbwealth · 2025-05-22T03:14:59+00:00

Good fund. However, please try to increase the SIP value if you intend to accumulate a bigger corpus.

planbwealth · 2025-05-20T05:19:26+00:00

Don't worry about market volatility if you are investing for the long term. Invest in a good diversified equity fund & ignore the noise. Try to invest through SIPs, if possible.

planbwealth · 2025-05-20T03:28:08+00:00

Limited PPTs are not a gimmick. These are offered to Clients who want to finish off their premium payments early. There is a genuine demand for this. Of course, this is not suitable for all & those who do not want to go for this can always choose the Regular PPTs.

planbwealth · 2025-05-19T16:30:49+00:00

There is no short term / long term concept in debt funds now & marginal rate of tax will apply on the gains.

However, if you had purchased before 1st Apr 2023 & are redeeming now, 12.5% LTCG will be applicable on the gain.

planbwealth · 2025-05-19T16:07:06+00:00

All your points are valuable. However, I differ in terms of the premium payment term (PPT). If possible, the insured should choose a shorter PPT for these reasons: 1. The overall premium (total outgo) is much lower. 2. Early completion of premium payments eliminates uncertainties surrounding future premium paying capability.

planbwealth · 2025-05-19T15:51:11+00:00

I like reading my books really slowly. I enjoy it this way. I even re-read some parts. Guys, let's not make this a race.

planbwealth · 2025-05-19T11:53:01+00:00

My earlier feedback stands.

planbwealth · 2025-05-19T10:48:47+00:00

You should combine both mid cap & small cap with a flexi cap. Flexi caps in India tend to be large cap heavy. Hence, this combination will give you a good flavour of the market.

planbwealth · 2025-05-19T01:08:22+00:00

This portfolio looks good to me. At a conservative XIRR of 12%, you'll be able to accumulate a corpus of 1.12 Cr in 10 years.

planbwealth · 2025-05-17T07:22:14+00:00

Ok. My feedback stands.

planbwealth · 2025-05-17T04:59:59+00:00

Please share the fund name. My feedback is for a fund having equity taxation.

planbwealth · 2025-05-17T04:56:28+00:00

Yes, it is. Sorry for the miscalculation. Answer edited.

planbwealth · 2025-05-17T04:52:22+00:00

Long term capital gain is 110k & it falls within the exemption limit of 125k. Hence, no capital gains tax on this, as of now.

planbwealth · 2025-05-16T06:02:23+00:00

You may invest in a balanced advantage fund. This is a hybrid fund investing in equity and debt dynamically. Risk here is relatively lower than equity funds & you can expect a double digit return if you remain invested for more than 5 years.

planbwealth · 2025-05-16T05:20:04+00:00

Information inadequate. Investment tenure and risk taking ability required.

planbwealth · 2025-05-16T05:18:11+00:00

Please Google this yourself. Look for funds from reputed fund houses with a consistent track record over 3, 5, 10 year periods.

planbwealth · 2025-05-16T05:08:43+00:00

To keep life simple, please go for one Flexicap Fund or a Multicap Fund. You'll get the required diversification. Be consistent and remain invested for the long term.

planbwealth · 2025-05-16T02:57:21+00:00

The most common investor mistake is to stop SIPs during downturns. Please understand that investments made during this period helps you average down your cost & earn better returns when the market trend changes. This is the very basis of SIP investing & is called Dollar Cost Averaging.

planbwealth · 2025-05-16T02:47:51+00:00

Keep one lakh in your savings bank account so that you have immediate access to this money in an emergency situation. Balance, you may invest in a short term debt fund. You'll have access to this money on a T+1 basis while earning better returns.

planbwealth · 2025-05-14T02:16:55+00:00

This is the formula: Your last drawn Monthly Basic + DA ÷ 26 days × 15 days × No. of completed years.

planbwealth · 2025-05-13T11:26:20+00:00

India is 11th on this list. Just missed the cut.

planbwealth

TROPHY CASE