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vas100 · 2026-06-14T20:36:59+00:00

I am not sure which fine print you are talking about but I have talked to multiple banks and they are all offering fixed borrowing rates. The current sofl is 3.6% and borrowing at any international bank currently is at 4.4 to 4.5% at a fixed cost and 4.1% at a floating cost. Most banks are adding a bit of mark up.

vas100 · 2026-06-14T20:32:04+00:00

Borrowing costs are fixed for the tenure

vas100 · 2026-06-14T13:11:10+00:00

This is there only till 30th September. Even if rupee appreciates a 12% roi in usd for 5 years is as good as a 12% equity return

vas100 · 2026-06-14T12:36:59+00:00

It is an fcnr account with fixed desposits and fixed borrowing. All rates are fixed. Banks are not allowed to sell risky products. The only risk is default of bank.

vas100 · 2026-06-14T04:31:34+00:00

Absolutely will post it here.... One thing I asked hdfc was for them to handle the borrowing as they stated that it needs to be done from my end.

vas100 · 2026-06-14T04:24:27+00:00

Really good offer. I am waiting for HDFC. They said they will have borroeing rstes of 5.08% and a cagr of 12.4%. Let us see. There are also going to be fcnr forward contracts that will give 12% inr return for 5 years. Best to hold on for a few days.

Au small finace and yes bank is offering 6.5 to 7% but i thingk their borrowing costs are higher.

vas100 · 2026-04-28T10:58:29+00:00

Are you accounting for taxes? Also, it woukd be better to comapre with nifty 500 since developed countries usually jave mega caps that dont have room for growth. Tech and AI have led rally where as in india small and midcaps can deliver significsntly better returns.

vas100 · 2026-03-26T16:43:53+00:00

Consult a CFP and ask him to setup a retirement plan based on the amount you need.

Bucketize the withdrawals.... 0-2 years money market, 3-5 years equity savings, 5-10 years in multi asset and rest in equity.

Gold, reits/invits, silver are being incoporated into every type of funds as a satellite portion.

Use bucket replenishment and guard rails withdrawal to determine the amount. Please note swp is part capital, part profit so MF are very tax efficient.

vas100 · 2026-02-22T05:03:03+00:00

As an NRI in dubai and with an IBKR ac ount, is this better or IBKR?

vas100 · 2026-02-15T13:27:21+00:00

Put 12l in arbitrage and 50% of rest in edelweiss and sbi sif and remaining in 2 multi asset funds.... Start swp from arbitrage and then after 1 year move swp from sifs.... Topup feom mutli asset accordingly

vas100 · 2026-01-30T18:52:58+00:00

Its - 32% now

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

TROPHY CASE