Suraj

Index funds or NPS for retirement goal? For a 20-30 year horizon, If your primary goal is maximizing wealth, the Nifty 50/100/500 Index Fund for example is mathematically superior choice than NPS. If your primary goal is behavioral discipline, preventing yourself from withdrawing early & tax saving today, NPS wins. Why the index funds wins over NPS? The 100% Equity Advantage! Over 30 years, the difference between 100% equity allocation in an Index Fund and 75% equity allocation in NPS is massive. In Index funds, compounding works on 100% of your capital at 12% on average. In NPS, You are forced to keep 25% in Corporate Bonds/G-Secs. While safe, these historically yield 7-8%. This cash drag significantly lowers your final corpus over 3 decades. In Index funds, You control 100% of your corpus. You can withdraw what you need using a Systematic Withdrawal Plan, paying only 12.5% tax on the gains portion, which is far more tax efficient than paying slab rate tax on an annuity. NPS is superior if you lack the discipline to stay invested. If you are the type of investor who might panic sell during a market crash like 2008 or 2020 or withdraw money to buy a car/house, the NPS lock in is a feature, not a bug. It forces you to stay invested until 60. Mathematically, investing in a direct index fund yields better returns than contributing to the NPS.

@VedantKalore Not the call ringtone though

@sc241145 Looks like you love Teams calls....

The one thing you should NOT have copied form iOS.

@shutupnaina It’s all about being calorie deficit. 10k steps or intermittent fasting, both help to stay in calorie deficit.

is a calorie deficit, 10k steps and intermittent fasting enough for weight loss?

@nishantgoel2409 @chiragbarjatya How is it? How does it behave? Does it stay put or move while walking?

@chiragbarjatya Got it few weeks back. Best purchase of the year.

> Walk while taking meetings > Walk while watching Netflix > Walk while watching reels > Walk while watching that cringe person > Walk while taking calls. Go in a debt if you have to. Buy on 12 months emi. But please get a walk pad .

@SaiKish392 Binge watch this playlist from @FreeFinCal youtube channel youtube.com/playlist?list=…

@sc241145 Suggest me Nifty funds for SIP investment of Rs.5k

Index funds or NPS for retirement goal? For a 20-30 year horizon, If your primary goal is maximizing wealth, the Nifty 50/100/500 Index Fund for example is mathematically superior choice than NPS. If your primary goal is behavioral discipline, preventing yourself from withdrawing early & tax saving today, NPS wins. Why the index funds wins over NPS? The 100% Equity Advantage! Over 30 years, the difference between 100% equity allocation in an Index Fund and 75% equity allocation in NPS is massive. In Index funds, compounding works on 100% of your capital at 12% on average. In NPS, You are forced to keep 25% in Corporate Bonds/G-Secs. While safe, these historically yield 7-8%. This cash drag significantly lowers your final corpus over 3 decades. In Index funds, You control 100% of your corpus. You can withdraw what you need using a Systematic Withdrawal Plan, paying only 12.5% tax on the gains portion, which is far more tax efficient than paying slab rate tax on an annuity. NPS is superior if you lack the discipline to stay invested. If you are the type of investor who might panic sell during a market crash like 2008 or 2020 or withdraw money to buy a car/house, the NPS lock in is a feature, not a bug. It forces you to stay invested until 60. Mathematically, investing in a direct index fund yields better returns than contributing to the NPS.

@Jainadave_ Eggs

Name one superfood that you eat everyday?

@aadityabais72 @ThetaVegaCap To earn more?

@ThetaVegaCap Why such high expense ratio

People talk about HDFC Flexi and Parag Parikh Flexi Frequently But Bank of India Flexi is doing much better than them on 1-3-5 Year terms Anyone holding BOI Flexi ? #Investing #MutualFunds

@AnkitFinAlpha Not saying this is the only right way but the idea is to have a simple portfolio that can be held for years without interrupting it.

@AnkitFinAlpha Active funds make sense in smallcap as per the historical data but no one knows what future holds. Okay to go for active funds if one can hold the temporary underperformance period instead of jumping to a new fund. 1/2 index or active funds or combination should be enough.

The accumulated units will continue to stay invested while we switch to other fund. This itself clutters the portfolio as we want to not leak taxes which interrupts compounding. Perhaps we could just index the portfolio and hold it for a longer time.

How to buy US 30Y treasuries? 5.2% yield plus 3-4% annual ₹ depreciation, sounds a pretty compelling proposition. At 6.5-7% this might be mouth watering.

Bond markets are flashing red. Today, the US 30Y Note Yield officially hit its highest level since July 2007, at 5.19%. This will soon become Americans’ biggest problem, yet the vast majority do not even know it is happening. What is happening? Let us explain. (a thread)

@gym_onchain True dieting is a wrong word for eating healthy

eating healthy is actually just eating normally but most people think it’s dieting.

@AFitTrader True. Also adding strength training to walking does wonders.

People chase Intense Cardio for fat loss Meanwhile, daily walking quietly does more than you think

@shutupnaina Apple TV recommendations: Tehran Severance Your friends and neighbours Shrinking Silo

recommend new binge worthy shows guys

Cash is not merely a low return investment that fails to beat inflation; it is a strategic asset offering flexibility, security and peace of mind.

@Dynamicinvstr Next is Motilal midcap, bandhan smallcap.

@sc241145 In a 3 year zero returns scenario the chances of continuing investment with confidence is more in index funds , half of the people is not getting this logic , Quant out , PGIM out , funds are hyped in a year and going bottom in coming years

Jioblackrock mutual fund increased expense ratio on next 50, midcap 150 and smallcap 250 index funds. Typical Ambani behaviour.

Nifty 20000 is the new 18000/12000/8000 for bears?

@ThetaVegaCap The fact, 5y ago no one wanted these funds. SBI, Axis, Tata, Quant were the darlings. Bandhan Small Cap — 21.64% ITI Small Cap — 19.56% Invesco India Small Cap — 18.58% Bank of India Small Cap — 17.44%

Small Cap SIP performance over 5 Years 👇 Top Performers (5Y SIP XIRR): 🏆 Bandhan Small Cap — 21.64% 🏆 ITI Small Cap — 19.56% 🏆 Invesco India Small Cap — 18.58% 🏆 Bank of India Small Cap — 17.44% 🏆 Nippon India Small Cap — 16.89% 🏆 Quant Small Cap — 16.86% Meanwhile, NIFTY Smallcap 250 TRI: 13.66% This shows one thing clearly: In Small Caps, Fund Selection matters A LOT. Difference between a good & bad fund over 5–10 years can create massive wealth gap. But remember: Small Caps reward only those who survive volatility. High returns come with: ✅Sharp corrections ✅Patience ✅Long holding periods Small Cap investing is not for weak hands. 📈 #MutualFunds #SIP #SmallCap #Investing

As global bond yields rise (rapidly), inflation rises, and policy rates must rise in response to oil price driven inflation, here is what will happen: 🧵