QME
badboyboogie
560 posts
badboyboogie
@badboyboogie12
Here to see the world from a different lens. Opinions are seldom and personal. A techie at heart and a full time trader.
India Katılım Ekim 2011
1.3K Takip Edilen171 Takipçiler
@sandeepjethwani Dear @IIM_Bangalore you deserve better alumnis
Expecting somebody to spend at same pace as in their 40s throughout their old age is absolute foolishness
If you are eager for click bait atleast remove the education institutes from your profile
English
If the 40 crore retirement number I shared shocked you, this post is for you.
Here is what I said. If you are 40 today, spending 2 lakh rupees a month, with no EMIs to service, and you want to retire at 60, you will need 40 crore rupees.
The comments had a lot of pushback. The number feels impossible. It is not. Let me show you why.
Two assumptions drive this number. Inflation and life expectancy. Both are higher than what regular retirement calculators assume. Both are right.
Start with inflation. Retail CPI in India is 5 to 6%. That is the inflation of atta, dal, and bus fare. It is not the inflation of an affluent household.
Private healthcare in India runs at 12 to 14% every year. Domestic staff wages in metros are growing at 10 to 12%. Premium school fees, international travel, club memberships. All of these inflate between 8 and 10%. Blend them and you get 9%. That is the real inflation rate of an HNI lifestyle.
Now life expectancy. Most Indians plan their retirement assuming they will live to 75 or 80. That is what national averages suggest. But national averages are pulled down by infant mortality and rural data. They have nothing to do with how long a healthy, affluent Indian actually lives. For a couple aged 65 today, there is a 71% probability that one partner reaches 85. A 44% probability that one reaches 90.
Now the math.
2 lakh rupees a month at 9% inflation becomes 11 lakh 20 thousand rupees a month at age 60. That is an annual spend of 1.34 crore.
Plan for 30 years of retirement. Your retirement portfolio which is focused on capital preservation (60% fixed income: 40% equity) earns 9%. Your Inflation is also 9%. Your real return is zero.
So corpus needed equals 30 multiplied by 1.34 crore. That is 40 crore.
Here is the good news. This number is not as far away as it looks. At 12% returns before retirement, 40 crore at age 60 translates to roughly 4 crore today for a 40 year old.
The point of this message is not to scare you. It is to make sure you understand the silent erosion of purchasing power that inflation causes.
English
@vishnuagarwal64 Higher interest rates, slower growth, job losses, consumption demand destruction?
English
Current Nifty valuations are not pricing in the present.
They are pricing in a protracted ground war, permanent Hormuz closure, rupee at 97, and Brent crude at $110 for 18 months.
That scenario is being actively dismantled with a hard deadline of April 6. The geometry says bottom. The momentum says exhaustion. The geopolitics says curtain call.
English
Why markets may bottom next week.
a. On a multiyear daily chart, Nifty is at the touching trendline. Mkts are exactly at the trendline.
b. There is a strong RSI divergence seen.
c. USA landing its troops and Trump addressing the Iranian regime as the new regime is just a face saver, showing a lot of posturing from both sides to get an edge in the negotiation.
d. Trump also hinted at exiting the war without a deal on the Strait of Hormuz.
English
@chiragbarjatya @Tea_Lover25 It's a crazy product. My productivity has shot up remarkably and it's been just a week. Thanks @tankots.
English
@Tea_Lover25 sorry bhai wo wispr flow se likh raha tha abse nahi karunga aise galti
Eesti
There is a TBM lying inside the base of Powai lake worth 260 crore just like that. 100m below. And to extract it they need more than double the amount of money.
Mumbai Heritage@mumbaiheritage
Hit me with the craziest Mumbai history facts you know.
English
@abhymurarka Me watching Shankar Sharma getting cooked will always be delight
English
Markets are in green. Pardon my grandiose, but Rakesh Jhunjhunwala's soul spoke through Sachee at this forum.
Abhishek Murarka 💹🐂@abhymurarka
Ladies and gents, take note - Sachee Trivedi 🔥
English
badboyboogie retweetledi
Very disappointing that there were several people called on a working day to @Money9Live @TV9Bharatvarsh Financial Freedom in association with @hdfcmf and denied entry, the reason was not because people were late but because the venue was full (1/3)
English
Private Banks are getting smoked today dragging #Nifty while broader market is stable.
What is market smelling?
English
@iMicrocap Hahaha. I see what you did there. Yeah, I should be able to.
English
@badboyboogie12 Git link is already in tweet. I am sure a person from IIM can easily configure a Git. :)
English
Trading View Chart on Screener. (Github link below)
Visit my Git to get the Extension: github.com/AyushAgents
Demo Below:
English
badboyboogie retweetledi
And India wins nonetheless. But here's what analysts don't understand yet:
- Russia is in a deal with the US.
- India, Russia, US, Israel are all on the same side now.
- Even Iran will be on the same side soon.
- Iranian oil will flow to India in plenty in next years.
- Russia will soon sell oil to EU too.
- Russia will even settle its oil in US dollars.
- The China influenced GLISCO-DS is failing.
- For understanding more read the attached thread of mine below from 2024.
Aravind@aravind
Trump will stop Russia war but he will let middle east war simmer to enable him to ramp up US oil production and sell it at a good rate. Once Russia truce is done, Russia will be in usual world markets too. That's a deal the US will give Russia to wean it away from China.
English
#Crude Above 90$ … Clearly says thing are not good
Focus on defence and Healthcare sector as a safe bet
Banks also looking good, soon we will add again.
English
badboyboogie retweetledi
My take on today: x.com/badboyboogie12…
badboyboogie@badboyboogie12
7thAugust, 2025 I might be just plain wrong but I don’t think this is the uptrend which everyone thinks everything is priced-in in. 1. Chart 1 - While the divergence in April solidified the bull move, the RSI is nowhere in the sold territory as compared to March 2025. 2. Chart 1 - The delta volume for today is negative even with such a pull back. Rather selling has intensified in the last three trading days we have had in August 2025. 3. Chart 1 - The 24850 made their move in June, maybe it just took time to play out. They are the actual sellers, the move in March and onwards was a PE value buy (below 20 Feb end on 1 and 3 year basis but no real tailwind like we had in September 2022 which was trying to price in normal growth post the Covid spike) 4. Second chart - PE is well below the average and in a free fall. Possible reasons – earnings dip, geopolitics, fx and interest rate and future earnings expectations. Do note, however big or small the impact of tarrifs, the problem is the disruption in supply chains. 5. Third chart - Differing with point 2, below 24,500 is a value buy and that’s what played out today with both FII and DII’s buying.
English
The tone isn't general conversation when you shrug off someone's pointers with a lame statement like yt video dekhna band karo. I could be wrong yes but in general that's a good starting point for someone to begin research and execute per their thresholds. Just FYI, I don't just carry a research analyst tag, I have burned the midnight oil with CFA and an IIM masters. Know a thing or two myself about investing. Cheers.
English
@badboyboogie12 I have. Since you believe a general conversation to be advisory, I doubt I'd be helpful to you buddy.
English
Few People understand this, but the 2026 Budget will be talked about 10-15 years from today as Landmark budget for India. Rather noone understands this and that is where an edge comes as a retail investor
English
