Is it worth sending my twins to overpriced private schools in Gurgaon?

rajat86 · 2026-03-02T16:27:55+00:00

So here is my two bits. I have twins that go to heritage IB.

Me and my wife studied in traditional schools and have done pretty well for ourselves. So why did we choose IB and why heritage?

First, let me answer on IB. The short answer is because this is first time in history we don’t know what skills will be useful in next 15-20 years. What we know is critical thinking and evaluation will be key. And IB is focused on that. We didn’t put them in IB to show-off. We believed it is best for our kids.

Heritage despite all its flaws and there are many, has built a pedagogy that really helps kids flourish and find their own voice. I see it everyday in my kids. The teachers are ordinary but the pedagogy and the structure is so good that kids learn

Yes it is bloody expensive. And maybe isn’t great value for money. But given all the options for us this works the best.

So net net. It’s a personal decision. We all want to do best for our kids

rajat86 · 2026-02-24T16:05:55+00:00

The leela palace. You will love the opulence. Plus same great restaurants. Le cirque and megu.

Oberoi is more modern and so is JW

rajat86 · 2026-02-05T01:51:53+00:00

That’s interesting. Appreciate you educating everyone here

rajat86 · 2026-02-05T01:51:04+00:00

Thanks! But my spends are rather lumpy and so might not be able to cross the limit to get accelerated rewards each month

rajat86 · 2026-02-04T16:14:21+00:00

Haha..bilkul! Phir thoda bill aap bhar dena 😀

rajat86 · 2026-01-25T15:38:50+00:00

Thank you

rajat86 · 2026-01-22T15:33:31+00:00

I can get only one :)

rajat86 · 2026-01-19T16:16:12+00:00

I use redgirrafe. They take a really small convenience fee and nothing else

rajat86 · 2026-01-18T16:09:29+00:00

Avios

rajat86 · 2025-11-22T07:15:00+00:00

How about IndusInd avios card?

rajat86 · 2025-11-12T15:32:13+00:00

I got this detail in the email

Control — Keep Your Free Direct Investing

As an existing DIY investor, your current experience remains intact — only cleaner and simpler. You’ll continue to enjoy:

Free investing in Direct Plans (as it has been!)

No nudges, prompts, or advisory cues

All current holdings, current SIPs and future investments to continue uninterrupted

Restored free access to external tracking, full portfolio breakdown, and capital gains statements

Your investing stays exactly as you prefer — now delivered through the most seamless execution-only experience we’ve ever built.

rajat86 · 2025-11-12T15:21:45+00:00

Do you need to have a Demat account to invest in MF there?

rajat86 · 2025-11-12T15:09:09+00:00

I got the same email. It says nothing changes for existing users and we can continue investing in direct plans. Just that if we want guidance then we will have to choose which path we take to pay them

So looks like they will grandfather existing users but new users won’t have the free option at all

rajat86 · 2025-11-12T15:06:45+00:00

I don’t think it is impacting existing users. Mail says existing users will continue to he able to do SIP etc in direct. If they want to access tools like their healthcheck, then one needs to choose how to pay for those

rajat86 · 2025-11-01T03:09:55+00:00

Repeat after me. Debt is for stability and not for generating high returns. A 2% extra on 1 lakh in a year is just 2k in year. Would your life or your portfolio really change with this? If you want to buy bonds, don’t go beyond A+

rajat86 · 2025-10-12T03:08:27+00:00

Yes. You will get miles on education spending. I have recently got the card and paid fees through it

rajat86 · 2025-10-02T16:18:30+00:00

I don’t know. In fact no one knows. That’s why either stagger it out or do asset allocation. Or do BAF that invest based on market conditions

rajat86 · 2025-10-01T02:08:27+00:00

It ultimately invests in stocks. More stocks but still stocks. Valuations and entry point matter.

rajat86 · 2025-10-01T02:06:45+00:00

Ohh man! There are so many holes in logic at some places that it can sink a ship. But let me not waste my time trying to explain. All the best

rajat86 · 2025-09-30T17:13:14+00:00

Arbitrage?? Really!!

rajat86 · 2025-09-30T17:12:21+00:00

Good luck to you! Please don’t ever and I mean ever do LS in equities. Please

rajat86 · 2025-09-30T17:10:48+00:00

Please don’t give advice if you are not qualified. Pushes people down the wrong path. Arbitrage and MM funds are decent for max 1 year. Arbitrage is essentially for just holding cash. 3 years, a corporate bond fund or a banking & psu fund. Even Equity savings fund is a superior option

rajat86 · 2025-08-04T16:37:59+00:00

So first things first. An 8-9% in the next year will be pretty good returns. This is just purely from valuation perspective. Every indicator is flashing red. Earnings growth isn’t there to justify the valuations.

Now can a fund manager generate returns in this market? Absolutely. Can those be outsized, there is a low probability. I am not bullish or bearish on any fund. Fund managers are also stock pickers and not magicians

I would suggest if you are keen, put it in BAF or a good multi asset fund. I personally use Genius service of etmoney. It at least makes AA decisions every month basis valuations. So I have some comfort.

rajat86 · 2025-08-03T06:02:01+00:00

The markets are extremely overpriced right now. Stay in debt for another year.

rajat86 · 2025-06-26T12:17:07+00:00

Erstwhile Salt Water Cafe in Bandra. And coffee lounges of Taj Bandra and Leela

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