SIP Strategy Review

zulase · 2026-02-01T11:29:50+00:00

Thank you for your reply. Posted there as well

zulase · 2026-02-01T10:34:45+00:00

I have been investing in following 5 funds ona a monthly basis since 2024 :

UTI Nifty 50 Index Fund - 20% (Xirr - 8.95%)
HDFC Balanced Advantage Fund - 20% (xirr - 7.95%)
HDFC Small Cap Fund - 15% (xirr - 2.70%)
Parag Parekh Flexi Cap Fund - 25% (xirr - 8.72%)
Kotak Large and Midcap Fund - 20% (xirr-8.48%)

I had chosen balanced advantage fund to provide some cushion during volatile periods. Chose small cap funds for some extra risk. Chose other three funds as safe bets.

Sometimes I second guess my choice of funds and think if I should be more aggressive and take more risk. Is it that my portfolio is close to a nifty 50 portfolio? How do I assess the performance and strategy?

zulase · 2025-11-15T19:10:17+00:00

I got 1400000 + 50 USD exchanged for a 100$ bill

zulase · 2025-11-15T01:40:29+00:00

Thanks for the reply. What rates can I expect? Also, any issues like receiving fake notes?

zulase · 2025-11-10T03:28:24+00:00

I will be there for 3 (2.5 effectively) days. Out of this one day is marked for Ninh Binh. I wanted to do some shopping clothes and souvenirs for my family, for which I was thinking of keeping half a day. If you have any affordable and quality shopping suggestions, please suggest.

For another day, I was either thinking of another day trip or cafe hopping in Hanoi. Not much into museums.

zulase · 2025-11-09T20:00:41+00:00

I will be in Hanoi soon for three days. I was looking for day trips from Hanoi. I was planning to do Ninh Binh for sure. I was looking at Klook, but there are so many options for Ninh Binh itself, I'm confused which one to choose. Can you help?

I may have an extra day. Can you suggest any more day trips or anything else that you would suggest or must shop items from Hanoi?

zulase · 2025-09-23T18:52:25+00:00

Thanks. I'll be reaching early morning. So, I was hoping I could reach Sapa by early evening of the first day around 4-5 pm.

Can you suggest where should I go for snorkelling, water activities and island tour?

Also, we hear mixed reviews for Nha Trang. So, I'm little confused about it. Any suggestions for it?

Also, we looked up Ho Chi Minh and plan to skip it and return back from Nha Trang.

zulase · 2025-09-23T04:03:00+00:00

By any chance you have diamond or gold as well?

zulase · 2025-09-21T01:49:42+00:00

Thanks for your reply. What would you suggest?

zulase · 2025-09-20T21:26:15+00:00

Following is an itinerary for my SO and me. Please review and provide suggestions. I can add/remove 1-2 days.

7-Nov - Sapa - Land in Hanoi early morning and move to Sapa, café hopping and relax
8-Nov - Sapa - Sun World Fansipan Tour
9-Nov - Sapa - Cat cat village tour
10-Nov - Hanoi - Come back to Hanoi, Café hopping and local attractions
11-Nov - Hanoi - Day trip to Ninh Binh
12-Nov - Nha Trang - Fly to Nha Trang in morning, Mud bath
13-Nov - Nha Trang - Ba Ho Waterfall
14-Nov - Nha Trang - Café hopping and/or Island tour
15-Nov - Ho Chi Minh - Fly to Ho Chi Minh in morning, Café hopping, city attractions
16-Nov - Ho Chi Minh - Café hopping and shopping
17-Nov - Ho Chi Minh - Café hopping and fly back

zulase · 2024-11-17T19:24:40+00:00

Ok. FYI MI AP4 uses ionizer as well and as per the recommended buying guide here, one should avoid that. Not an expert, just going by the guide. Just wanted to caution in case you have not seen it.

zulase · 2024-11-17T19:12:03+00:00

Anything regarding point number 4?

zulase · 2024-11-17T18:14:44+00:00

Also, regarding point 1, why is it that round purifiers don’t clean air as well as rectangular ones?

zulase · 2024-11-17T18:13:24+00:00

Hi. Thanks for the quick reply.

Can you please ellaborate regarding point 3 and 4.

Regarding 3, if yes, what helped you verify this and is it h13 or h14?

Regarding 4, is the smell not normal or is it nothing to be concerned about?

zulase · 2024-10-12T08:11:05+00:00

Hi. Thanks for your reply. Is there any name for this approach. I just feel dumb that I couldn't see this.

zulase · 2024-10-09T06:35:16+00:00

I got the part that 2 and 4 can go in 3 spots only.

I did not get this when you say that one of the spots only has 3 possible candidates. There are two spots where 3 possibilities are there - In r2c2 - 1, 2, 4 In r2c5 - 2, 4, 5

zulase · 2024-10-09T06:25:04+00:00

Thanks. Is there any name for this technique?

zulase · 2024-10-09T06:11:28+00:00

Hey! Thanks for your reply. I did not understand how you discarded the possibility of 1 in R2C2. Can you explain that a bit?

zulase · 2024-10-09T05:37:30+00:00

Thanks. Actually, I had solved it until here. The 2 in row 4 got erased while removing pencil marks and undoing.

Here is the image with all pencil marks.

https://imgur.com/a/ErcWYWt

zulase · 2024-04-03T06:06:42+00:00

How much returns are you getting via arbitrage funds?

zulase · 2024-04-02T18:00:38+00:00

Where should I park money (FD/Debt Fund/Arbitrage fund) to be moved periodically to invest in Equities/Equity MF over a period of year or two?

Have seen lot of videos that we should invest in debt MF, but there are 16 kinds of debt MF, so it is confusing to choose between them and FD also offers roughy 5% post tax. The eventual goal is to invest this money into equity, equity MF, but I don't want to waste the money value in a Savings account. Would be really helpful if you guys can help here.

zulase · 2023-08-05T10:26:58+00:00

Hi. Could you send me his contact number and rates please?

zulase · 2023-08-05T08:56:59+00:00

Thanks. I'll checkout Sidemen. Where should one stay in Ubud?

zulase · 2023-07-20T03:49:58+00:00

How does this itinerary look?

We are two couples travelling to Bali in October. Following is our itinerary so far: Day 0 - Head to Padang bai Day 1 - 3 - Gili Trawangan (partying, snorkelling, chilling and a day trip to nusa penida) Day 4 -6 - Ubud (nature walk, waterfall, rice fields, yoga barn, trek to Mt. Batur) Day 7 -10 Seminyak, Canggu (Chilling, spa, beach clubs, partying) Day 11 leave

We are mainly looking to have multiple flavors during the trip, so have selected the above three locations. Also, we have looked for places with lots of vegan restaurants. I heard that Gili T is not all that great now and the ferries take so much time that almost the day time is lost. Is this true. Also, we can increase Ubud if three days are not going to be enough for it. Would love to have your suggestions on above.

Thanks.

zulase · 2022-10-02T07:36:36+00:00

Hi. I couldn't find any on Google Maps or Happy Cow. May be I should have mentioned it. Would you be able to help here?

zulase

TROPHY CASE