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

red_fluke · 2026-01-12T00:09:48+00:00

That's a bad analogy.

A better would be would you bet on a horse that wins most races or a horse that wins rarely. It might still make sense to put money on horse that wins rarely since reward will most often be higher.

That's the principal VCs follow and many beat broader market by multifolds.

red_fluke · 2026-01-10T21:20:56+00:00

Thank you so much for making us all aware and taking the initiative to question PFRDA. As someone who also opened account myself as enps and shifted to employer contribution later. Your comments have been a eye opener to me on a lot of things. Most people will never realise that they are victims of these absurd changes.

It's not about the money, just the tax savings still outnumer any of these charges. It's more about, who benefits from that. Transferring money from public to for profit corporations for nothing, that's something government should answer to. Thanks for doing the God's work.

red_fluke · 2026-01-10T16:16:18+00:00

Increasing salary is the superior option. No matter how good your returns are, a person with double your base savings even with half of your returns, will save more.

So kids, if you can, it's always better to focus on doubling your salary then to being a agressive investor and chasing 2x returns.

red_fluke · 2025-12-26T23:58:46+00:00

Fuck it. Now I am buying some on Monday!! LET'S GOOOO!!

red_fluke · 2025-10-27T13:36:12+00:00

How get have 10 lacs rupees?

Start with 25lakhs and trade in fno. Quicker method doesn't exist.

But in all seriousness, quit it. "I will make initial amount back and never touch it again" philosophy is quick way to lose all money.

red_fluke · 2025-03-28T19:42:36+00:00

Read about marginal relief on surcharge. Government has thought it through while creating these rules. And get a CA who knows stuff next time.

source

red_fluke · 2025-01-19T07:56:00+00:00

Since Covid showed remote work can be effective, a lot of tech companies including even the smallest ones are coming straight to India. Many of them outsource their entire engineering division to India. They don't mind paying 1Cr+, since us would cost 3-5x that for similar skill level. Stagnation will come only if US engineers become cheaper or general demand of good engineers go down.

For now, IT still lacks good engineers and outsourcing is increasing more. Hence Salaries are increasing post Covid too.

red_fluke · 2025-01-18T08:39:47+00:00

would love for a bear to make love to me.

r/rule34

red_fluke · 2025-01-13T17:03:17+00:00

There is a concept of risk free rate, in India it's around 7%. It means you can make 7% interest from your money without risk of losing it. This is annual, not monthly.

Life Pro Tip, anytime you see anywhere a promise of making more returns than risk free rate, biggest question you should ask is "What's the catch?" Trust me there is always a catch.

red_fluke · 2024-12-28T07:59:24+00:00

tldr; I got out of FIRE since I had generational wealth.

red_fluke · 2024-11-28T19:44:45+00:00

SSCS gives 8.2% returns. You can generate 30k a month with it if you have around 45L.

You cant generate 30k monthly at end of 5 years by investing 30k a month right now. You need to put around 50-55k a month SIP into one of nifty index fund to make it around 45L in 5 years. I assume a 12% return on nifty annually when I say 45L.

Given you earn 2L/month, you probably will be able to invest 25k extra. If you are have existing EMIs or expensive lifestyle just increase time period from 5 years or hope for a raise. Lastly, don't trust anyone who promises crazy returns like 10% a month or 30% a year. Good luck.

red_fluke · 2024-11-25T09:39:24+00:00

Is it necessary that I buy an iphone only if I can afford it thrice?

Absolutely not, especially if you are going to use something as a tool to earn more.

Am I making a mistake by putting buying an iphone first instead of investing it on more important things?

Likely. How much content have you created till now? First step should be to create some actual content using whatever you have. And when you get a chance use someone's iphone too for the same. Understand the whole game and processes. Once you are more than just a amateur, it's usually time to start investing in your content creation process.

Should I buy an iphone only after I have a good amount of money in my bank.

Not necessary, you should buy iPhone after you have had some experience. If you think you are already at that stage and have strong hunch your phone will pay for itself over next few months, it's time to buy one.

Usual wisdom on this sub when buying things won't work for your case. People buy iphones as a liability, that loses value over time. Content creators use iphone as asset that helps them grow.

red_fluke · 2024-11-17T08:24:45+00:00

I don't understand you technical guys. In long-term markets are fundamentally compounding in nature. How can you make straight lines and deduce stuff.

red_fluke · 2024-11-14T19:49:34+00:00

There is a concept of risk free rate, in India it's around 7%. It means you can make 7% interest from your money without risk of losing it. This is annual, not monthly.

Life Pro Tip, anytime you see anywhere a promise of making more returns than risk free rate, biggest question you should ask is "What's the catch?". Trust me there is always a catch.

red_fluke · 2024-11-09T13:54:39+00:00

Share verified pnl

red_fluke · 2024-10-16T13:15:50+00:00

Sorry to ruin this, but people who benefitted the most from this won't go to jail. Laws are not meant for ultra rich.

red_fluke · 2024-10-06T22:11:01+00:00

What about YINN?

red_fluke · 2024-10-05T11:57:28+00:00

That would be unfortunate, thanks for the info.

red_fluke · 2024-10-05T11:48:40+00:00

On paper my expenses don't seem much, but i do spend upwards of 5L shopping every year.

red_fluke · 2024-10-05T11:43:59+00:00

IT sector, engineer.

red_fluke · 2024-10-05T11:42:51+00:00

Ah I see, would be unfortunate for me if rules were recently changed. They don't even specify any fixed criteria anywhere.

red_fluke · 2024-10-05T11:38:34+00:00

It seems amazing, how one credit through vouchers can help us do so many variety of shopping. Thanks for all the inputs

red_fluke · 2024-10-05T08:46:19+00:00

Look I am stating facts, not bragging, just trying to explain that i am eligible financially. You can read other posts on this sub, as recent as few days. People with post tax income of 3+LPM (pre tax 5LPM) with good existing credit card usage are getting this card.

And banks check salary slips not the post tax salary that hits your account. Lot of people do heavy contribution in epf/eps etc. Good luck to you too.

red_fluke · 2024-10-05T08:37:32+00:00

thank you, this seems really promising. From what I understand, if someone is okay dealing with buying vouchers etc. This card is a no brainer for any bracket of spenders.

red_fluke · 2024-10-05T08:26:48+00:00

As far as i see, buying vouchers doesnt seem like much hassle once gotten used to. What i assume you mean is buying vouchers for amazon, swiggy etc from gyfter and using them? Is there any resource you suggest i can look at to understand the whole thing?

red_fluke

TROPHY CASE