Rajkumar PR

Building a retirement corpus of 4.2 Crs in 20 years - OMG! Not possible Bro. How can you even think of achieving such huge corpus? Buying a house for 1.5 Cr @ 9% Home Loan Interest - Possible bro. We can pay through EMIs The former requires a monthly SIP of 32K, the later requires an monthly EMI of 1.07 Lakhs! "You don't get results by focusing on results. You get results by focusing on the HABITS and BEHAVIORS that produce results"

I know there will be lot of hatred comments for this but read this patiently. You will understand. We can agree to disagree but hatred/abusive comments take no where. Many investors begin their equity investing journey significantly later, often 5-10 years after starting their careers. This delay can lead to a skewed asset allocation that leans more towards Fixed Income and Real Estate. If the traditional formula of 100 minus your age is applied at 35 or 40, it suggests an equity allocation of 60-65%. However, this approach does not account for the opportunity loss experienced during the early years of employment. Personal finance is inherently "Personal." If the 100-Age formula holds true, why do renowned investors like Warren Buffet maintain a higher equity allocation even at the age of 95? It's crucial to understand the purpose of asset allocation and to customize it according to your individual financial situation.

@100Life_Lessons Can you name 1 fixed income product that beats 7% inflation

@RajkumarPR8 Can you name some fixed income products that beat PPF in terms of both risks and returns?

Almost a decade ago, my investment journey began with a strong focus on guaranteed returns. I consistently invested nearly 1 lakh in PPF each year during the first week of April. However, as I gained a deeper understanding of the importance of inflation-adjusted returns, my approach shifted. I reduced my contributions to PPF, now making only the minimum deposit of 500 Rupees to keep the account active. Whenever possible, I withdrew funds from my PPF to invest in alternative assets that provide better inflation-adjusted returns. My mindset has transformed from seeking guaranteed returns every year to prioritizing inflation-adjusted returns over the long term. The enclosed image illustrates the decline in PPF interest rates over the past 25 years, showing a significant 42% drop in returns.

@SanjayV56340541 Partial withdrawals allowed after 6 years

@RajkumarPR8 How to withdraw from PPF...before 15 year period

@jigarmeh @raiparas Good try 😂

@raiparas @RajkumarPR8 He gets paid for MF distribution; Inflows have tapered in equity and MF so posting nonsense thinking funds which people will be ready to invest in PF will come to him seeing his post.

Largecap Funds - Latest NAV Vs ATH NAV (Part 2) (2/2)

Largecap Funds - Latest NAV Vs ATH NAV (Part 1) (1/2)

Flexicap Funds - Latest NAV Vs ATH NAV (Part 2) (2/2) Note - Schemes launched prior to 2024 Sep alone considered

Flexicap Funds - Latest NAV Vs ATH NAV (Part 1) (1/2) Note - Schemes launched prior to 2024 Sep alone considered

Multicap Funds - Latest NAV Vs ATH NAV Note - Schemes launched prior to 2024 Sep alone considered

Smallcap funds Latest NAV Vs ATH NAV Note - Schemes launched prior to 2024 Sep alone considered

Midcap funds latest NAV Vs ATH NAV

A quick look into the returns generated by the frontline indices of Indian Markets reveals impressive results over the past decade. The Nifty Midcap has generated a 17.88% CAGR, turning a lumpsum investment of 10 lakh into a substantial 52 lakh. However, the journey for Midcap was not without its challenges. Here are the major crashes it experienced in the last 10 years: - From 2018, it fell 44% over 575 days, only recovering in November 2020. - There was another 21% decline from October 2021 for 175 days, recovering in June 2022. - The most recent significant drop of 21% occurred from September 2024, with recovery only by late 2025. - Additional crashes included a 15% decline in 2016 and a 14% drop in 2026. Despite these setbacks, the current return stands at an impressive 18% CAGR. Only those who weathered the storms were able to create wealth. Impatient investors who exited during these turbulent times missed the opportunity for significant gains. Wealth creation is a marathon that tests an investor's endurance during challenging periods.

FY 25-26 Returns Sensex : -5% Nifty: -3% Nifty Midcap 150 : 3% Nifty Smallcap 250 : -5% Nifty 500 : -2%

As we close FY 25-26 here is a quick summary on Sensex: Total trading days: 247 Days with -ve returns: 125 Days with +ve returns: 122 Max 1D loss: 19-03-26 (-3.26%) Max 1D gain: 12-05-25 (3.74%) - Worst month: Mar'26 (-10.54%) - Best month: Oct'25 (4.57%)

Many investors are feeling anxious about the recent sluggish markets, particularly from September 2024 to the present. Several issues have contributed to this situation, including the Tariff War, FII Selloff, and the Iran War. However, it's essential to take a step back and examine the data over a reasonable long-term perspective. Equity investing is generally recommended for a horizon of at least 5 years. The data indicates negative returns for the month-to-date (MTD), year-to-date (YTD), and 1-year periods, with not-so-great returns for the 2-year period. However, the returns for 3 years and beyond appear to be healthy. Despite experiencing significant declines of 15-25%, if equity returns for 3, 5, 7, and 10 years remain strong, there may be little reason for long-term investors to be concerned.

Do you know this? The current fall of Gold is the 4th largest crash of Gold in the last 19 years. And this is the 2nd steepest fall too. 22.48% fall in just 37 days. On the contrary, Nifty 500 fell just 19% from the peak in Sep 2024. Remember, this 19% fall happened over 111 days. Nifty 50 fell just 16% over 113 days. More imp - the current fall is not in the top 5 crashes of Nifty! Now, tell me what is risky? Equity or Gold? 😁

Nifty PE Chart over the past 2 decades Current PE is 20. The last time it was below this level : 2022 Jun, 2016 Feb, 2014 May, 2012 Feb, 2009 Jul, 2008 Jun Courtesy - @primeinvestorin

Nifty reaction to the recent geo political issues

Nifty & Nifty Mid fell 14% from their recent high in Jan'26 Smallcap - 24% down from their ATH in Sep'24 Nifty 500 - Down by 16% from their ATH in Sep'24 Largecaps - Safe Haven? 😀