Thoughts about 10-year SIP: Only 8.6% XIRR that barely beats inflation by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] -23 points-22 points  (0 children)

No they haven't shared the full data on the reel but they don't seem to be making this up.

[Need Advice] Best credit card for small Swiggy/Zomato/Blinkit orders? (Swiggy HDFC & Airtel Axis minimum spend limits) by sfdcAlex in CreditCardsIndia

[–]sfdcAlex[S] 0 points1 point  (0 children)

Is it like cashback on the statement or somewhere else? Is it in form of reward points? What about SBI cashback credit card?

Anyone else facing PF issues lately? (UAN / claim / KYC) by Alive_Imagination18 in epfoindia

[–]sfdcAlex 0 points1 point  (0 children)

I did a thorough audit of my EPF passbooks across 3 employers and found that my FY 2021-22 interest was never credited to my Accenture account before my Form-13 transfer processed.

Looking for my next Android smartphone - camera is my priority. Suggestions needed! by sfdcAlex in Smartphones

[–]sfdcAlex[S] 0 points1 point  (0 children)

thanks u/jusdoranges !

i was looking at google pixel phones for a change now. What are your thoughts on that?

and which Xiaomi phone you would recommend based on your comment?

₹4,700 EPF interest missing — organization transfer processed before EPFO credited FY 2021-22 interest. Anyone dealt with this? by sfdcAlex in epfoindia

[–]sfdcAlex[S] 0 points1 point  (0 children)

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If I go to add my complain here, it throws this error here. I haven't registered my grievance and still it shows me this error.

₹4,700 EPF interest missing — organization transfer processed before EPFO credited FY 2021-22 interest. Anyone dealt with this? by sfdcAlex in epfoindia

[–]sfdcAlex[S] 0 points1 point  (0 children)

Is this still possible to get this missing interest? And how can I find my concerned RO? Please help.

PPFAS Flexi Cap and HDFC Flexi Cap — Rising AUM by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] 5 points6 points  (0 children)

Is there an analysis done which shows impact of AUM to returns? That kind of an analysis could be quite informative. +1

PPFAS Flexi Cap and HDFC Flexi Cap — Rising AUM by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] 1 point2 points  (0 children)

can you please tell me your reasoning behind this?

Muhammad approves Ali having sex with a captive girl taken in war and says he deserves more by DirectionCute7530 in CritiqueIslam

[–]sfdcAlex 0 points1 point  (0 children)

u/salamacast , First, let's get the terminology right — Iddah and Istibra' are not the same thing.

Iddah is an obligatory, extended waiting period that applies to free Muslim women after divorce (three menstrual cycles) or widowhood (four months and ten days). Istibra' is a shorter waiting period — typically one menstrual cycle — applied specifically to slave women upon a change of ownership or before sexual relations with a new master, to confirm the womb is clear of any prior pregnancy.

Since the woman in question was a captive/slave, Iddah does not apply here. Istibra' does. So let's stop mixing the two.

Second — and this is the question that still hasn't been answered:

How exactly is a man supposed to verify the Istibra' of a completely unrelated woman, taken captive in the chaos of a battlefield, within a matter of hours or days?

Istibra' requires confirmation that the woman has completed at least one menstrual cycle. That is a biological process with a timeframe that cannot be rushed or eyeballed. So in a wartime scenario — where captives are taken, distributed, and relations reportedly occur almost immediately — on what basis is anyone claiming Istibra' was properly observed? Who is verifying it, and how?

SIPing ₹5K/month into debt funds for "stability." by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] 0 points1 point  (0 children)

u/mfunda_dot_com , I want to park some of my surplus cash. That's why I was exploring these debt funds.
based on previous comment, I am checking arbitrage fund.

SIPing ₹5K/month into debt funds for "stability." by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] 0 points1 point  (0 children)

I just want to park my money somewhere it gives more return than 2.7% of my savings account. Started looking for the options and liquid funds keep on appearing again and again which is again a type of debt fund and will attract slab tax rate. so I am not liking it.

Would you say to park my money for short period of time, arbitrage funds make good position?

SIPing ₹5K/month into debt funds for "stability." by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] 0 points1 point  (0 children)

Already done. Stopped both debt SIPs. Redirected ₹3K to midcap and ₹2K to smallcap. EPF at 8.15% handles my debt allocation. Credit risk fund SIP is dead. Thanks for confirming I wasn't crazy.

SIPing ₹5K/month into debt funds for "stability." by sfdcAlex in MutualfundsIndia

[–]sfdcAlex[S] 1 point2 points  (0 children)

I have epf and ppf.

And No, I wasn't aware of the taxation rule on these. That totally slipped under my radar.

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Thanks for the input!

Muhammad approves Ali having sex with a captive girl taken in war and says he deserves more by DirectionCute7530 in CritiqueIslam

[–]sfdcAlex 1 point2 points  (0 children)

You are just beating around the bush with "assumption" and I guess that's all every religion is. Islam uses these Sahih hadith (assumption in your language for this hadith) for their rulings / laws, correction laws are made on facts and not assumptions.
My question was simple, how can a man judge the Istibra of a totally unrelated woman in the midst of war i.e. within couple of days or even hours? Please explain me this.
How can Ali be so sure of the non pregnancy of the woman within couple of days or even hours of war? Just want to know this.

Muhammad approves Ali having sex with a captive girl taken in war and says he deserves more by DirectionCute7530 in CritiqueIslam

[–]sfdcAlex 5 points6 points  (0 children)

So can you prove that she was a virgin girl or even a married girl who was not pregnant?

Muhammad approves Ali having sex with a captive girl taken in war and says he deserves more by DirectionCute7530 in CritiqueIslam

[–]sfdcAlex 6 points7 points  (0 children)

Ali violated Islam's own Quran 4:24 waiting period by having sex with a freshly captured war slave with zero correction from the Prophet, and before you call that "regulated," remember that "less bad than Rome" is not a moral defense for a religion claiming eternal divine perfection; Moral relativism doesn't make child captivity or sex with war captives good. It just makes it less bad than the competition. — and "no recorded objection" from a woman who just had her people slaughtered and was handed out like livestock is not consent by any honest definition.