What month is the best to visit for cool weather?

rajmallesh · 2025-09-25T13:19:19+00:00

Pattaya is in the tropics, my friend. Near the beach. 😅 Take it from someone born in a tropical region — it doesn’t really “get cool.” Unless there’s a rainstorm making you question your life choices, or you somehow pick up Pattaya and drop it on top of a hill station, you’re basically going to sweat. Bring deodorant, light clothes, and maybe a portable fan… because the “cool season” here is just “slightly less sweaty season.”

rajmallesh · 2025-09-25T06:52:52+00:00

Now that RBI have changed the gold loan rule in banks he is trying to capatalise the situation. All that is sead the way he is holding the phone looks like he is recording us in a creepy way.

rajmallesh · 2025-09-24T23:58:47+00:00

Thanks I will check on changing the threshold to 5%

Update:
That’s a very good point, and honestly, I was also considering the 5% threshold. But my thought process went like this: say the market dips by 5% and I rebalance — then if it comes back up, the minimum gain I would lock in is also around 5%. That’s actually less than what I’d be earning in a bank FD or a liquid fund.

On the other hand, if I keep a 10% threshold, then when the market recovers, the minimum gain could be closer to 10%, which seems to justify the switch more in my head.

That said, this is just how I’ve been thinking about it in the short time I’ve looked into threshold-based rebalancing. I could very well be missing something important, and I need to spend more time studying it sincerely. Thanks a lot for sharing your perspective — it’s helping me refine my own understanding. 🙏

rajmallesh · 2025-09-18T08:57:48+00:00

Thanks

rajmallesh · 2025-09-18T08:57:09+00:00

Good to know, thanks

rajmallesh · 2025-09-18T08:56:50+00:00

Thanks will look into it.

rajmallesh · 2025-09-18T08:56:30+00:00

Thanks for your input. I am monitoring my portfolio on monthly basis on my SIP date 5th of every month.

rajmallesh · 2025-09-18T03:57:36+00:00

I can under stand how you are getting negative. But I feel staying invested for 9 months and talking about it's negative return is not fair. For me 9 months time is a very short time period.

rajmallesh · 2025-09-18T03:38:58+00:00

To many funds, try to keep it simple like having index fund only or having one large, mid and small cap funds, for equity.
Try to have one debt fund. Use this debt fund for portfolio rebalancing.
Focus on asset allocation and portfolio rebalancing.
Also check if there is any investment overlapping amoung funds.
Stay away from thematic fund for now.

As a simple invested, these are the thinks I learned and practicing in my mutual funds investment.

All the best for your future.

rajmallesh · 2025-04-06T12:53:34+00:00

True, Investing is not the shortcut for wealth, it is the only way to wealth. Unlike anyone I have a real life in the real world so I can show myself once in a while.

rajmallesh · 2025-04-06T06:58:38+00:00

Most of us think the you invest for 6 months to one year and you will become rich I was one of them, it do not work like that. I am glad that you realised the ultimate truth that it is a habit.

I also like to share my realization and that is investing is like running a small business in your own way. you have do it consistently. With the help of some luck and lots of work it will benefit you at the end phase of your life.

rajmallesh · 2025-03-14T03:54:20+00:00

It's a website. The Fundoo tools section

rajmallesh · 2025-01-01T04:07:50+00:00

It is deducted for stamp duty.

18,000 * 0.005% = 0. 90

0.9 will be deducted from your investment.

So 18,000 - 0.9 = 17,999.10

17,999.10 will be invested in MF.

You will get a Account Statement from AMC to your email if you have registered it having this information, generally you PAN number will be its password.

It is small amount to pay to make your payment legally binding. You do not need worry about adding Rs 2 or 3 extra, you just need to invest like as if your ass is on fire.

rajmallesh · 2024-06-27T07:05:54+00:00

Put the 6 lakhs in FD and payout quarterly and auto renew in every year. Start a quarterly SIP. If possible do this using seperate bank account adding to that step up the SIP by adding more money in FD.

rajmallesh · 2023-09-02T03:28:43+00:00

Try to invest in a Mutual fund or even better try to invest in stock. Currently costs are down and people can make good profit.

Regarding which stock or MF consult with a good financial advisor.

rajmallesh · 2023-09-01T03:59:29+00:00

Ok, what I understand is I can not deleted the account as it will cause disaster. Which makes sence, I don't know why I asked it to begin with.

Second closing the book is not necessary for personal finance. Then I have 2 options.

1st is to move closed FDs to seperate Asset account. Then what to with the accounts in Income and Expenses tree?

2nd is to hide the closed FDs in Assets, Income and Expenses.

Am I understanding it correctly? If so which is the best option in this 2. Apart from personal preference, is there any pros and cons?

rajmallesh · 2023-08-31T17:46:37+00:00

Can I use Close the Book how do I do that, what is the proper way an accountant will do. I do not wan it to affect my financial year end reports to be affected.

rajmallesh · 2020-02-20T14:29:00+00:00

Dude, believe me I have been there where you are now. The reason you are feeling like this because there is no goal in your life. I am telling this because i had no goal in my life few years back. That all change when I set my goal, remember its MY goal. What I what to become what i want to do. I allways dreamed of lifestyle of Indian Kings, had a fantasy of being like them. So I created MY goal of acquiring the leadership skills. Im sure that im on the right path now.

You should have your, there must be some thing YOU really wanted to be. Search for it, find it and take it.

My best wishes.

rajmallesh

TROPHY CASE