Vijaygwalani

@jassneetsingha @nikeshchatrani Ok thanks. If there are high spends in regalia do they offer Infinia to such customers

@vj4786 @nikeshchatrani Check this

Axis Bank, with one negative move, made HDFC Regalia Gold and HSBC Travel One more valuable. It changed the maths completely for many.

@jassneetsingha @nikeshchatrani ITC I agree gives good value

@nikeshchatrani @vj4786 +++ FB, Air India, ITC are good options in Group B.

@nikeshchatrani @jassneetsingha Regalia due to processing charge Amazon vouchers doesn’t yield much. Can u suggest which other vouchers can be useful

@vj4786 @jassneetsingha Don’t spend further on Atlas unless you have a genuine Group B use case. Otherwise you’ll end up with miles you can’t use this year. Use Regalia for voucher spends—it’s solid for Accor transfers. Also consider taking T1 and using it instead of Atlas.

@jassneetsingha @nikeshchatrani Ok dint know these aspects, thanks

@vj4786 @nikeshchatrani That is one time thing … within limit … also be cautious when going via partners. Name etc fields should match very well. Avoid getting stuck.

@jassneetsingha @nikeshchatrani Ya.. but unfortunately for 20k in my axis atlas will have to wait for 17 days

@vj4786 @nikeshchatrani On top of it it shows 17 days for transfer. Bhai I will loose my mind in 17 days 😅😅

@jassneetsingha @nikeshchatrani That I agree

@vj4786 @nikeshchatrani Now this it is totally your call. Remember JAL is group A and capped at 30k EM per calendar year. T1 currently is limitless and direct parnter. No via vis hassle.

@jassneetsingha @nikeshchatrani But difference in value is only 10000 rupees … also atlas has milestones at 3 levels and renewal which T1 has directly at 8 lakhs - wouldn’t it overall be same

@vj4786 @nikeshchatrani T1 = Atlas - Education Rest is same ! Only ed is an additional category excluded in T1

@jassneetsingha @nikeshchatrani Ok but there are too many exclusion on T1

@vj4786 @nikeshchatrani You get 5000EM on 15 lakhs and then when you renew you get another 5000EM. This is confirm. If Accor is your go to, take T1 bro.

@jassneetsingha @nikeshchatrani At 15 lakhs I think you get only 2500 … I have just crossed 7.5. Should I take travel one or continue this. I already exhausted my Amex plat travel. I have regalia but I don’t use due to axis

@vj4786 @nikeshchatrani Spend 7.5L get 2500EM Spend 15L get 5000 EM

@jassneetsingha @nikeshchatrani What is renewal benefit in atlas

@nikeshchatrani -Atlas makes sense till 7.5L to get renewal benefit -Travel One needs 8L for waiver -RG needs 4L for waiver 7.5+8+4=19.5. If someone is doing this they should look at M4B (if Accor is not a need).

@imYadav31 Agree, isn’t still that a better option than air India or airline where 1 miles would be 1 rupee in my guess

@vj4786 Yes you can transfer but transfer ratio is different. Value remains Rs. 1 Accor point is Rs 2

Axis removing Accor from Atlas hurts. No sugarcoating that. But here’s the positive take: The transfer ratio still stays at 1:2. With Accor out of my redemption game for now, my focus shifts to: Singapore Airlines ITC Hotels JAL Air India Same points. New redemption goals.

@Pathik92Shah @VoyageBliss KG?

@vj4786 @VoyageBliss U can still trf to KG at 5:4 and then at 2:1 to accor...you will get 80p value

Axis pulling Accor feels like the end of an era. From a pure miles and points perspective, maybe this brings some sanity back. People might finally explore other FFPs and hotel programs instead of defaulting to Accor every time. And let’s be honest, that ₹2 per point valuation was quietly killing the game. But credit where it’s due, Axis x Accor gave us some genuinely memorable stays. That partnership was pretty dope. Two minutes of silence. From what I’m hearing, Accor and Qatar might return along with MB and maybe a new entrant, but at watered down transfer ratios. Also, Lotus Miles at 5:2 while Aeroplan, JAL and KrisFlyer sit at 5:4? Not sure what Axis is smoking. Feels like they tried updating the United chart and accidentally nerfed Lotus instead 🤣 To all cc geeks, jo ho gaya so ho gaya. Damage done. Good part is, moved a decent chunk to Accor in time. That should last a bit. Rest will be managed via Brazilian plan and HSBC. Business as usual.

@gurjota Why 2 multi asset funds

Added another 12.5 lakhs yesterday, with NAVs down by 3-4%. Just final 2 tranches of cash left 1. Nifty 21500 2. Nifty 20300 Let's see if we get there. Will need to declare bankruptcy after that 😬

@Kmanoj72152325 Doesn’t make a difference over 10 year period

If you are doing SIP in mutual funds small tip. Switch from monthly to weekly SIP if you monitor markets daily. Reason : markets fall hard on some days and recover quickly. With monthly SIP you often miss those discounted NAV days completely. Weekly SIP increases your chances of catching those big fall days and averaging at better prices. Not monitoring daily? Just stick to monthly. No tension. But if you are watching markets every day weekly SIP is smarter. Simple as that 🙂 Always do your own research .

@BaluGorade In my view more than only picking from the right brand, you allocation timing and method also matters. Blindly doing sip without making most of connecting period may not always yield in good xirr

Met a guy who started SIP 8 months ago in SBI Small Cap Fund. I asked why he picked this fund. He said, first it's from SBI, second it's giving 20% returns. Who will tell him? 🙂

@grok Same comparison for smallcap 250

@ankitth88071288 @BullMarkets1 @grok @grok can u provide similar comparision for small cap 250 index

Nifty50 - Valuation Matrix PE around 20 would be good, to deploy more money.

@DealsDhamaka Can this also been done for axis atlas and earn milestones. Which NPS u invest in and via which bank

Along with my mutual funds this month, I had invested 4L in NPS today using credit card 40,000 points + 10K Taj GV + 5k bonus voucher will be delivered soon If the market corrects tomorrow, NPS will be allocated at a good price Please note that, I will pay back card amount next week #Investing #ccgeek