Absolutely! While FIRE is the talk of the town, FI should be the primary focus! Retire when ur body needs a break! Once u achieve FI, you have the freedom to pursue ur interests. This can also help u for income!

Stock Mkt is Risky!!!!!!! You face risk when u * Turn on the gas stove in kitchen * Drive thru the roads * Fly in a plane * Deal with electric appliances * Work in a pvt job Risk comes from not knowing what u do - Warren Buffett Learn to handle the risks. Nothing is Risky!

If u are 40yrs now spending 1L per month and aspire to retire at 50, you have to create a corpus of ~5.5Crs when you are 50! Remember 1) This is just for your retirement goal 2) You have just 10 more years to use your income & create this corpus! If you are in a job which is

😀😀 Courtesy - FB

The usual mistake which many do in the earning period. Take a home loan for 20 yrs & preclose the loan aggressively in less than 10 years. The Home Loan interest rate is around 9%. Often, people focus on the 9% interest paid back to the lender and assume that they are paying so

Congrats WhiteOak Capital Aashish P Sommaiyaa rameshmantri for completing 3 years in Indian MF space! Ur 1st offering Flexicap has done a fantastic job of ~22% returns since inception! Keeping returns aside, the investor experience in ur funds has been great! Best wishes for success!

Instead of having goals like building corpus equal to 1/5/10/20/50 Lakhs, have a goal to create corpus equal to 1/5/10/15/20/25 years worth of expenses! This should be ur milestones if u focus on Financial Independence.

Interesting insights from HSBC's recent report titled "Affluent Investor Snapshot 2025"

A fund manager takes charge of this fund in 2022. Ever since the move, the fund has been in top quartile. And more importantly, look at the alpha! Fantastic job by the fund mgr!

Focus on building a portfolio which is 20X of ur annual expenses. 25X should be the number next! Once u reach this number, you are FI!

Assuming expense of 1L pm today, it was 32K pm in 2008 @ 7% inflation 25X annual expense was 95L 2008-Worst yr to start SWP as mkts fell 61% 95L Lumpsum in aggressive hybrid fund, 32K mthly SWP with 7% annual increase- Here are the results of worst case scenario test!

At 7% Inflation, expenses double every 10 years. If ur annual expense is 6L (50K pm) @ the age of 30, it becomes 1.8 Crs (14.7L pm) @ the age of 80! That's 30 times of ur expense at the age of 30! This is the reason why retirement corpus is big number!

When to exit of equity mkts, asked an investor last evening! My 2 Answers 1) When u need money- 2yrs before the time u need money for ur goal. 2) When u dont need money-Inflation is to stay forever. When u dont need ur money to grow for urself or for the next generation.

Markets fell from Sep 2024 till Mar 2025. Listed are 60 funds that gave the highest returns from the bottom till date. While there was lot of coverage on Mid & Small fall during the crash, did u see anyone cover the rally in SMID upon Mkt recovery? 🙂

Even the best bluechips can disappoint if you enter at the wrong time! This is why MF is better than stocks! 3 Yr returns of bluechip stocks Vs largecap funds comparison! And more importantly - the emotions go for a toss when u hold stocks w/o returns!