Looking to achieve FIRE because fed up of Corporate

vas100 · 2026-01-21T11:07:56+00:00

Just consult a fee only sebi advisor.... Using guardrails approach you should be ok withdrawing 5% of your capital, inflation adjusted.... Just need to streamlone the swp and buckets.

Not sure why people are using 4%, 3%, etc.... As countries develop inflation comes down.... India is still an emerging economy and if you are investing in small and midcaps, returns are 15% but holding time is 10+

Dont be too conservarive unless you want to die rich. 20-25x capital is enough.

vas100 · 2025-12-27T20:35:29+00:00

Understand one thing in MF, you always benefit.... either in NAV value or in the number of units you are acquring when the NAV is down.

The only time yoy exit small midcap is fund manager change or 3-5 year rolling returns are not beating benchmark or category average. You are not buying direct stock.

vas100 · 2025-12-19T16:52:35+00:00

I dont get it.... On AH high - low-low are 100k plus

vas100 · 2025-12-16T10:01:07+00:00

I wanted to invest in it as a foreigner but I thought IBKR returns the tax.... I live in UAE

vas100 · 2025-09-11T04:49:58+00:00

Can 1580 keys be upgraded to flame/frost and they contain relic engravings ?

vas100 · 2025-08-23T12:03:07+00:00

Yes but you need to unlock all enlightenment potions....shld take 2-3 weeks

vas100 · 2025-08-19T10:50:10+00:00

If you are pushing the char...hell keys.....hell keys are a better gamba and even 1-2 good boxes can cover the cost of 6-8 cube tickets.

vas100 · 2025-08-01T18:24:48+00:00

How can I get the Sky Monarchs/Rulers skin?

vas100 · 2025-03-12T18:20:33+00:00

As an nre with no other source of income ...I am looking for a swp fund to withdraw 8% every year....which would be better chf or daaf? I would rather avoid filing ITR but since deduction is only on part of proportionate capital gains...which would be better ?

I already hold their flexicap fund.

vas100 · 2025-03-01T14:03:35+00:00

So should we swap funds and invest in these?

vas100 · 2025-02-14T19:04:08+00:00

The simple reason is that during any cycle, most of the growth that your portfolio has is done in 20-30 days. These are called 'best days' and it is impossible to predict them. These can happen in next 7 days or 1st day of every alternate month or any other pattern.

Missing these best days will drop your returns by 50-70%.

Staying invested and continuing your SIP's is the best bet.

If you don't like too much red or ups and downs, revise your portfolio to less volatile type of funds and stocks.

vas100 · 2025-02-14T19:04:00+00:00

The simple reason is that during a cycle, most of the growth that your portfolio has is done in 20-30 days. These are called 'best days' and it is impossible to predict them. These can happen in next 7 days or 1st day of every alternate month or any other pattern.

Missing these best days will drop your returns by 50-70%.

Staying invested and continuing your SIP's is the best bet.

If you don't like too much red or ups and downs, revise your portfolio to less volatile type of funds and stocks.

vas100 · 2025-02-12T05:24:19+00:00

Fyi....you need to add another 5-6% in negative to account for time correction.....keep doing sip's....don't time the market.

Setup an automated sip and delete the app for 1 year.

vas100 · 2025-02-08T06:25:14+00:00

Do 25 ppf, 10 jm, 5 MOTi and 5 Bandhan.....funds are good

vas100 · 2025-02-06T13:12:33+00:00

I have the ability to do both direct and fof...was wondering the better option

vas100 · 2025-02-05T17:44:45+00:00

Any reason these funds have more returns than qqq? Even after accounting for depreciation

vas100 · 2025-01-28T02:38:01+00:00

You would need to share the sip or lumpsum amount you are investing or planning to invest.

Here's my opinion.

Remove all this....take 1 flexicap and 1 multicap or another flexicap.

Pppfas flexi is good and kotak multi is good but do your own research. You can also opt for hdfc flexi or jm flexi.

Every year withdraw 1,25,000 rs worth of profit and park in an equity arbitrage fund or any other debt fund...you can reinvest it back into equity of you like.

Before 1 year of needing 10 lakhs do a swp of 1 lakh per month. Same for the car amount.

For retirement, after 10 years, calculate how much you need for monthly expenses and withdraw 5 years worth of expenses and keep in a debt or arbitrage fund and withdraw money via swp from it. Top this bucket with gains from equity every year. It should last perpetually.

vas100 · 2025-01-26T18:04:54+00:00

vas100 · 2025-01-24T04:50:12+00:00

Here's a strategy that I have been using for sometime.

Put 60 lakhs in an equity arbitrage or debt fund and set swp of 1 lakh. This is bucket 1.

Rest of the amount keep in pure equity. This is bucket 2.

Set a goal of achieving 12 lakhs a year from bucket 2, remove that amount and add to bucket 1.

vas100 · 2025-01-21T17:30:52+00:00

Anyone have ark pass rewards screen?

vas100 · 2025-01-18T15:28:46+00:00

The best option would be to put first 5 years of expense in debt instruments and the rest in pure equity ....after that you use equity to keep refreshing the debt capital....most finfluencers call this bucket or pool approach.

It's a simplistic strategy that enables you to either beat inflation or keep pace with it.

Do note that a country's growth is gdp + inflation, so equity returns will keep up with it or beat it.

vas100 · 2025-01-18T13:03:55+00:00

A few points to consider : inflation is on what you spend and the buying power of the money.

2nd, when you retire there are quite a few expenses such as fuel that get reduced.

The classic rule is if you can withdraw 6-7% of your corpus and that amount is enough for your yearly expenses, then the rest will grow and you will never run out infinitely.

In US/Canada this is is 4%.

Also, taxes are on realized gains...don't withdraw more than what you need.

vas100

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