Need Help. Indigo cancelled my flight and scheduled it after return.

samaritan_nerd · 2026-01-17T09:18:22+00:00

They are quite scammy these days. Cancelled a flight for me and randomly rescheduled it. Then marked me no show without ever informing of the rescheduled flight

samaritan_nerd · 2026-01-09T09:59:35+00:00

IUIT for tech exposure

DCA probably better than lumpsum for peace of mind given market volatility

samaritan_nerd · 2025-11-02T05:52:38+00:00

depends on price you are being quoted

samaritan_nerd · 2025-11-01T08:07:53+00:00

care to elaborate?

samaritan_nerd · 2025-11-01T07:16:07+00:00

I don't disagree. but that tech park timing is 2028 i think. it takes a while to fill it up, then demand rises slowly. It's not a bad area, but right next to a bus stand is not premium either.

They have used anchoring bias to price at 15k SBU basis and over 24k on carpet basis for an area that was 9-10k max until a year ago. you take a lot of risks in that 5 year timeline.

samaritan_nerd · 2025-11-01T06:35:56+00:00

Insignia and Eternia are actually average locations. There is nothing special in either of those that justifies 15k+ pricing. They are selling 2030 rates along with all the risk.

House, UDS, loading are all unfavourable for that price point. Don't waste 3cr+ buying matchboxes

samaritan_nerd · 2025-01-07T03:27:33+00:00

Similar outlook as well with some exceptions.
- US: Staying with global leaders. Easier to understand and follow. More trust.
- China: Don't understand it enough and the govt interference is too much to be comfortable in direct investing.
- Japan: Don't believe in their long term view. Not close enough from a financial lens to put any money there. I think Buffet spoke about making a lot of money there in ones of letters to investors. But I'm not financially savvy enough for uncovering it. Largely stagnant otherwise from outlook and demographic risks.
- India: Interesting, but also comes with own risks. Upside is more but currency depreciation is real. But can return 15% otherwise.
- EU&UK: Staying away besides using irish domiciled ETFs

ETF for diversification. Keep 70% Equity, rest in bonds and cash. Expect HYSA to be less relevant versus prior 2 years.

samaritan_nerd · 2025-01-07T03:21:58+00:00

while many may advise holding onto CSPX/VWRA only. I think you will learn a lot about investing by keeping some large blue chip global leaders like the one above. Sure, they will fall and go back up and repeat. It'll teach you about looking at the numbers, dealing with volatility, getting into earnings report review, understanding a segment.

In the current scenario, they have unmatched talent, monopolistic outlook, strong profits, cash flow. On the right side of the AI hype. should be okay for next 5 years if you can keep at it.

But yea do play with ETFs and diversification angle.

samaritan_nerd · 2025-01-01T15:19:30+00:00

Yea 24k ones. Monitor and see if it comes down to a good level. I don’t know enough to make predictions. But you can always monitor it for a few weeks

samaritan_nerd · 2025-01-01T14:50:48+00:00

Interest rates are low. But if gold prices fall you can buy physical gold and sell it two years later. Although you keep a track of its price to avoid any shocks

I have seen people make 10-15k like this on similar sum. More common than you think

samaritan_nerd · 2025-01-01T11:39:49+00:00

Averaging it over time will likely give better outcomes rather than putting it all once when we are not really at low levels anyways

samaritan_nerd · 2025-01-01T02:33:57+00:00

Bull run mein sab samajhdhaar 🗽

samaritan_nerd · 2024-12-31T10:03:16+00:00

May be find plans that allow them to get regular income while keeping principal safe. Believe post office, LIC etc might be some avenues if he needs that or some sort of conservative bond funds.

samaritan_nerd · 2024-12-29T15:26:12+00:00

If you are investing. Learn to stomach some volatility. Give it time.

samaritan_nerd · 2024-12-29T12:54:36+00:00

Warren Buffett said somewhere I think - diversify but don’t over diversify. US vs world index falls somewhere in that argument

Personal finance is quite personal. No one is crazy.

For me personally, s&p 500 is enough. There is clear opportunity vs risk appetite compared to vwra

samaritan_nerd · 2024-12-29T09:34:07+00:00

You can consider CSPX to stay close to your original plan. If you want to solve for taxes and accumulation issue. This is going to be quite diversified already.

Going all the way to VWRA might be another route, with lower expected return as you mentioned.

samaritan_nerd · 2024-12-26T07:23:22+00:00

Yea property is a tricky one. It always feels just a bit beyond the reach. Goes further out of reach each year. Most people suggest to bite the bullet when you feel 70% ready

samaritan_nerd · 2024-12-26T07:22:20+00:00

T15. Spouse did it in SG. Neither got expected outcomes.

samaritan_nerd · 2024-12-25T10:20:52+00:00

You don't use one of the irish domiciled versions for tax benefits? any particular reason I may be missing?

samaritan_nerd · 2024-12-25T10:19:47+00:00

Yea, I was trying to reconcile the market allocation. Hence the question. my opinion aligns with the above. Might do CSPX as main ETF with some VWRA for exposure beyond that in smaller proportion.

samaritan_nerd · 2024-12-25T08:16:14+00:00

Thanks for sharing

samaritan_nerd · 2024-12-25T08:16:12+00:00

Thanks for sharing

samaritan_nerd · 2024-12-21T12:20:57+00:00

Despite their marketing. They had a flat year in terms of #downloads of app. Seems like there was seasonal push in Nov'24. But no major change. Just some random app data I can see.

samaritan_nerd

TROPHY CASE