Killol karia

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Killol karia

Killol karia

@kkcredible

Rajkot, India Katılım Mayıs 2016
468 Takip Edilen117 Takipçiler
Killol karia
Killol karia@kkcredible·
@narendramodi @PMOIndia @NTA_Exams By cancelling the NEET EXAM you are playing with the future of honest exam giving students.Many would have planned their vacations after slogging for 2 -3 years. Don't you guys care for the mental health of those students..What is their fault
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Madanlal Dahariya
Madanlal Dahariya@MDahariya·
Everyone knew in @HDFC_Bank about a serial molester n womaniser once at a very senior level n a direct reportee to the then MD-CEO Aditya Puri. So confident/power drunk was he that he had a small chamber beside his cabin at 5th Floor Bank House to violate female staff secretly.
Dom Lucre | Breaker of Narratives@dom_lucre

🔥🚨JUST IN: The Indian man who filed a sex harassment suit against JPMorgan executive Lorna Hajdini, has been unmasked as 35-year-old Chirayu Rana. Rana alleges he was told: "You really think management wants some Indian boy leading organizations?" “If you don’t have sex with me tonight, I’m going to sabotage your promotion.” “I bet your little Asian fish-head wife doesn’t have these cannons.” "If you don't f*k me soon, I'm going to ruin you. Never forget, I f*king own you." In addition to many other things by his former boss.

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krishan sharma
krishan sharma@krishan_sharmaa·
All assumption wrong ! And I am not talking about bus fare Air fare - Jodhpur ton Delhi 1994 I paid 2400/- Today it’s between 4500-5000 on normal days This is not a retirement estimate. This is a worst-case scenario where everything goes wrong and then assumed as the base case. Your assumptions are stretched to the extreme and treated as a base case. That’s where the problem lies. First, the 9% inflation assumption. You have taken high-inflation categories like healthcare, premium education, travel, and domestic help—and applied that across the entire lifestyle. That’s not how real household inflation works. 👉Inflation is weighted, not averaged emotionally. Even affluent households have: -Core expenses growing at 5–6% -Discretionary expenses at 8–10% Blended realistically, this comes closer to 6- 7.5%, not 9%. Second, assuming zero real return for 30 years is too pessimistic. A 60:40 portfolio has historically delivered positive real returns over long periods. Even a modest 1.5–2% real return dramatically reduces the required corpus. Planning with zero real return is not prudence it’s assuming that: India will grow, but investors will not benefit from that growth. Third, the model assumes constant high spending for 30 years, which is not how retirement works. Spending follows a pattern: -Active years: higher -Later years: lower discretionary spending Expenses don’t inflate linearly forever. They evolve. Now the most important missing piece- technology and productivity. This is where the entire inflation argument becomes one-sided. Technology is inherently deflationary: -Communication cost → near zero -Entertainment → virtually free compared to earlier decades -Financial services -low-cost, democratized -Travel booking, price discovery -more efficient -Healthcare -while expensive today, tech (AI diagnostics, telemedicine) is already improving access and cost efficiency -Education -digital platforms are disrupting traditional high-cost models In my last 30 yers of financial career I find that the prices as a% of our nominal gdp kept falling continuously. Productivity improvements reduce the real cost of many goods and services over time. If inflation was purely compounding at 9% across everything: -Life would become unaffordable in two generations -Which clearly hasn’t happened -Our society will collapse. 👉Fourth, longevity is real but expenses don’t remain peak lifestyle expenses till age 90. TFR if falling fast and the new cost come form children and we are producing less and less children. Planning for longer life is sensible. Planning for unchanged spending intensity for 30 years is not. Finally, the framework mixes extremes: 👉High inflation (pessimistic) 👉Zero real return (pessimistic) 👉Full lifestyle spend for 30 years (pessimistic) 👉But 12% accumulation return pre-retirement (optimistic) You can’t be conservative on one side and optimistic on the other. That creates distortion. ₹40 crore is not a base-case retirement number. It is a stress-case outcome where multiple worst-case assumptions are applied simultaneously. Good financial planning is not about scaring people with extreme scenarios. It is about balancing risks with realistic assumptions and giving people a path they can actually follow.
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Killol karia
Killol karia@kkcredible·
@grok Is market over reacting to thia news... I mean on the share prices
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Advait Arora
Advait Arora@WealthEnrich·
Capital Gains Tax 🌐💸: India v/s Rest of the World 🇮🇳 India: LTCG ~12.5% (above ₹1.25L), STCG ~20% 🇯🇵 Japan: 20.3% 🇨🇳 China: 20% 🇺🇸 USA: 0% (up to $44k), 15% (up to ~$4.9M), 20% above 🇬🇧 UK: 0–20% (income-based) 🇨🇦 Canada: 50% of gains taxed at your slab rate 🇦🇺 Australia: 50% of gains taxed at your slab rate 🇫🇷 France: 30% 🇧🇷 Brazil: 22.5% 🇦🇹 Austria: 27.5%
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@narendramodi @PMOIndia @NTA_Exams @Drrajeshbheda @grok @LarissaFernand @MDahariya @HDFC_Bank