RetirementYatra.com

𝗔 𝘀𝗶𝗺𝗽𝗹𝗲 𝗳𝗼𝗿𝗺𝘂𝗹𝗮 𝘁𝗼 𝗮𝗿𝗿𝗶𝘃𝗲 𝗮𝘁 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝗳𝗲 𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹 𝗿𝗮𝘁𝗲 Retirement planning shouldn’t feel like a black box.

@pvsubramanyam For how long? Starting Jan-2008 (deliberate ATH), the Median 1 yr rolling returns for Multi-Asset Funds is ~10%. Why will be the Max be lower than Median?

I mean max of 8%. It will only be lower

Hi, We would like to clarify that, - Allowing HDFC Gold ETF (“Scheme”) to invest in Exchange Traded Commodity Derivatives (ETCDs) is only an enabling provision, as per existing SEBI regulations. - This does not change how the Scheme normally operates. - Investment in ETCDs will be considered only in rare situations, such as when there is a temporary shortage of physical gold in the market. - The Scheme does not intend to use ETCDs as part of its regular strategy. - The core approach of the Scheme remains the same; Invest in physical gold to the maximum extent possible & keep the remaining portion in cash and net current assets. - Our Current allocation reflects this approach: 98.65% in physical gold, 1.35% in cash, cash equivalents and net current assets (as on Feb 28, 2026) In simple terms: Physical gold continues to be the primary focus. ETCDs are only a backup option for exceptional situations.

@LifeAfterFI What's the basis of this argument? What analysis / simulation have you performed to arrive at 45X? 45X FAT FIRE and is beyond most ppl and they may not reach there in their lifetime, forget retiring early.

FIRE based on 25x is too risky for India. Minimum 45x. 40x if you're somewhat lucky. 35x if generally frugal. 30x if you like playing Russian Roulette. Also, FIREing before you reach peak expenses (typically 40s) to compute X meaningfully, is naive.

@ravihanda Interestingly, Smallcap 250 is possibly the ugliest of Index Fraternity. Most active small caps outperform it. Unlike its MidCap 150 sibling!

"Early entry matters. Smallcaps at Rs. 10 NAV!" "Invest 7500, get 1.11 crore TAX FREE at 19.04% CAGR" How ICICI gets away with such misleading ads is beyond me.

@InvestRepeat How much does that increase the cost? This is terrible. Anyone out there that's storing Physical Gold rather than blow money on cost of carry and Monster like STT?

🚨 HDFC Gold ETF may hold gold derivatives instead of physical gold. As per their updated SID, HDFC ‘may’ hold upto 50% of AUM in gold derivatives like ETCDs (futures contract)

@kaul_vivek Kaul Saab! C'mon. Be Big Hearted! Let go!

Ohhh...

If you haven't studied from the top IIT/IIMs or govt university, your degree is absolutely next to nothing.

14 out of 50 Nifty companies are trading more than 25% below their 52-week highs

Wipro has given just 27% returns in 26 years after adjusting for dividends, split and bonus. CAGR: 0.9% Bank FD interest: ~7% Investing in FD would have resulted in 480% returns.

The scariest thing about investing isn’t bear markets. It’s “lost decades.” For the 16yrs thru 1981 and the 13yrs thru 2012, the US stock market had no real returns. Cumulative, including dividends. Thats an average of almost a decade and a half. A portfolio can survive a bad year or two. Not a bad decade or two. Fortunately the answer is simple: Small Cap Value.

Privacy is a joke if you are registered with stock brokers in India. (Except for the GOAT Zerodha)

@ThetaVegaCap Bringing NPS to a regular MF near you! SEBI...

SEBI introduces Life Cycle Funds goal-based investing made automatic. Planning retirement in 30 years? Here’s how it works 👇 👍Years 1–15: Up to 95% in Equity 👍45–50 age: Equity reduces to ~80% 👍50–55 age: 50–65% 👍55–57 age: 35–50% 👍57–59 age: 20–35% 👍Final year: 5–20% Balance goes to Debt + up to 10% Gold/Silver. Available tenures: 5, 10, 15, 20, 25, 30 years. No lock-in (exit load applies). Auto rebalancing. No tax hassle on shifting. Simple. Disciplined. Goal-focused. #MutualFunds #GoalBasedInvesting

Some major changes in today's Sebi circular: 1. No more children's funfs & retirement funds 2. New restrictions on arbitrage funds. Can only invest in G Secs & less than 1 yr for their debt portion 3. Overlap between funds > 50% disallowed 4. Lifecycle funds introduced

@BaluGorade For gold to work as insurance, one must allocate 25%-30% of the portfolio. Check out gold chart from 2008 or 2020 you’ll see why it’s an insurance. Gold’s correlation with is negative during mkt stress.

Gold is a unique asset, its global, even while you hold it in India. Treat gold as investment insurance, hold 5-10% of your wealth in Gold. Powerful insights on Gold by Prashant Jain. 🔥

The most expensive fund is the one you bought for last year’s returns. Return chasing feels rational. It’s usually late. Consistency looks boring. It's usually effective.

In 2026, 85% of babies worldwide will be born in just two continents: Asia and Africa. North America represents a paltry 3% of worldwide births. Entire cultures and countries will disappear unless we reverse this.

@InvestRepeat West is dystopian civilisation

Countries at some point will have to directly or indirectly seize govt-backed "pension money". And scary part - some countries including France has already done this. I have already wrote in detail & warned about this in the Study Material too.

@abidsensibull 10x in let’s say 5 yr. min starting capital 10 lac. Is it 3sigma 6 sigma?? As you have access to data give us some insight Choose any other criteria if you wish.

Don’t get fooled by people saying it’s super easy to become multi crorepati from trading I don’t know a single person who has gone from a few lakhs to two digit crores from trading. And I see a ridiculous amount of data on how much traders make. So yeah, source = trust me, bro

Banks/Wealth Managers rarely mention: 1) Default Risk 2) Commissions 3) Tax at slab rate While selling structured products or MLDs. Beware. Don't fall for these pitches.