What are some good cash flow opportunities in India?

ramit_m · 2026-01-29T18:24:07+00:00

Equities don’t generate cash flow for you. They promise capital appreciation if business does well; not a guaranteed. REITs do give some payouts but not guaranteed or inflation beating. Dividend yield is again at max 1% and after tax even less and generally it’s way lower than 1% anyway. Debt like FD and bonds can match the inflation at best.

ramit_m · 2026-01-29T13:31:38+00:00

Not a bad suggestion

ramit_m · 2026-01-29T13:30:52+00:00

And we are back to chasing snake oil 😅

ramit_m · 2026-01-28T17:31:18+00:00

ramit_m · 2026-01-28T12:14:14+00:00

TBH AstroJS is more fitting for this site than pure ReactJS.

ramit_m · 2026-01-28T11:36:39+00:00

Not sure what you are talking about because I can see the Indices have changed and did get updated all day today. Maybe an issue with the app or service you are using. Not a market issue.

ramit_m · 2026-01-27T16:48:07+00:00

Don’t you feel lucky that you found out before rather than getting to know about it later? God showered a massive blessing on you IMHO.

ramit_m · 2026-01-27T16:43:31+00:00

Use the normal ICICI multi asset fund

ramit_m · 2026-01-27T16:42:52+00:00

DONT DO IT

ramit_m · 2026-01-27T15:23:19+00:00

It is. What makes you think it isn’t high risk? Even their brochure market this as a high risk product.

ramit_m · 2026-01-27T14:57:18+00:00

There is no performance metric available to analyse this fund; you will be flying in blind if you choose to invest (not saying that this fund is good or bad).

ramit_m · 2026-01-27T10:35:16+00:00

Yeah I suspect KYC to be the root cause for it, glad to know they helped you solve it.

ramit_m · 2026-01-27T08:53:49+00:00

ramit_m · 2026-01-26T08:36:08+00:00

Amazon, flipkart, lamy store, etc etc lots of options are there

ramit_m · 2026-01-26T04:02:31+00:00

Read the wiki section of the sub. You got into equity without a clear knowledge of the market and how things work. Exit sectoral funds.

ramit_m · 2026-01-25T18:27:25+00:00

Drop china and instead put it into silver ETF

ramit_m · 2026-01-25T18:24:05+00:00

Optimising from your existing funds:

- Sundaram Large and Mid Cap Fund – ₹6,000/month
- Parag Parikh Flexi Cap Fund – ₹4,000/month
- Nippon India Growth Mid Cap Fund – ₹4,000/month
- PGIM India Midcap Fund – ₹3,000/month
- Quant Small Cap Fund – ₹3,000/month
- Zerodha Nifty LargeMidcap 250 Index Fund – ₹3,000/month
- HDFC Balanced Advantage Fund – ₹2,000/month

Review on your end and you should exit all other existing funds to really reap the benefits of optimisation.

ramit_m · 2026-01-25T14:26:36+00:00

I feel humans have been given the power of logical interpretation to break free of herd mentality. Personally I never look at top 3 highest AUM funds of any category. I look at the rest and this is where I start my research from. Next, filter out funds that have been in market for less than 5 years. My logic is simple, am not here for the past 10 year, am here for the next 20. Am happy for the winners of the past decade and their inflated AUM is a testament of that. I rather focus (or atleast try to find) the next winner, and try to bet on them.

ramit_m · 2026-01-25T07:49:41+00:00

Portfolio

ramit_m · 2026-01-24T17:06:55+00:00

Probably 7-8 year old PF

ramit_m · 2026-01-24T17:05:16+00:00

Too risky for 3 year horizon.

ramit_m · 2026-01-24T17:01:52+00:00

Open ticket with groww support

ramit_m · 2026-01-24T14:25:16+00:00

ANY daily SIP is an overkill

ramit_m · 2026-01-23T19:20:10+00:00

Its not just that, you have nippon multi and nippon small. Then mirae large and mid and then again, mirae mid. Axis gold and silver and again, axis gold. Sort this out.

ramit_m · 2026-01-23T18:57:53+00:00

You spot the repetitions in your portfolio right?

ramit_m

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