Life Lessons 🌼 🇮🇳

| FIREd in 40s| Ex IT Professional | World explorer | Investor since 2000 | Nature Lover | Wellness Buff

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

When invested for the long term (10+ years), the XIRR doesn’t change significantly with market rises or falls. Movements in either direction tend to be gradual due to averaging over the extended period.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@sambhavdaga A simpler solution could have been to make LTCG tax-free up to ₹10 -20L per year. This would have covered the vast majority of individual investors. At the same time, exempting FIIs from such taxes could have helped maintain market attractiveness and capital inflows.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@katti_18000BC @BaluGorade My villa, purchased for ₹40 L in 2005, appreciated to
~₹3 crore by 2021 and further to ~ ₹4 crore by 2026.

This translates to an XIRR of
~13.4% pa from 2005 to 2021
~5.9% pa from 2021 to 2026
~11.6% pa overall from 2005 to 2026

Land appreciation has been much better for me

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

My equity mf portfolio XIRR As of May 26 : 15.75% ( I have been adding index funds for the last 6 months)

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

When invested for the long term (10+ years), the XIRR doesn’t change significantly with market rises or falls. Movements in either direction tend to be gradual due to averaging over the extended period.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

My equity mf portfolio XIRR.

Sep 24 : 24%
Jan 25 : 20%
Feb 25 : 18.51%
Mar 25 : 17.56%

I add lump-sum amounts to specific, existing mutual fund schemes & select stocks during market corrections, based on valuations. I haven’t reduced SIP amount but changed schemes.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@ActusDei @pattufreefincal 3. What measurable career outcomes or industry access does this program provide that candidates are unlikely to achieve otherwise? (compare with CFP, CFA & NISM certifications )

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@ActusDei @pattufreefincal @ActusDei Pls ask her these questions from my side

1.For a ₹15 lakh weekend, nonresidential executive program in Wealth Management, how do you justify the ROI compared to simply gaining industry certifications like NISM or through self study using ample available resources.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@ActusDei @pattufreefincal 2. Since wealth management is largely a relationship & trust-driven industry, how much value does a premium executive MBA brand really add in actual client acquisition & long-term practice building

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@sumanthraman It’s high time India’s IT services companies moved beyond pure services, invested deeply in R&D & focused more on creating global products.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@sumanthraman It’s high time India’s IT services companies moved beyond pure services, invested deeply in R&D & focused more on creating global products.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@FI_InvestIndia We are still net importers & currency depreciation will have major impact till we remain that way. There needs to be faster replacement for the oil imports.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@ActusDei Equities : 75% in Indian ( 10 Stocks, Flexicap, N50, NN50, Midcap 150) & 25% in foreign (N100 , S&P 500).

Debt/Debt like: NPS, PF, hybrid MFs, Bank FDs, INVITs & Govt Bonds.

Gold SGBs & Real Estate

Shifting from Debt to Equity, whenever valuations are attractive (in index)

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@ActusDei Caught both :)

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@pvsubramanyam @PPFAS @hdfcmf @ICICIPruMF Use flexicap MF data from the past 5 years & compare it with the next 5—chances are, the returns pattern will be quite similar eventhough they look different if you consider 1 year / short term returns.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@pvsubramanyam @PPFAS @hdfcmf @ICICIPruMF Use flexicap MF data from the past 5 years & compare it with the next 5—chances are, the returns pattern will be quite similar eventhough they look different if you consider 1 year / short term returns.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@gurjota Varies widely—some see a car as a status symbol, for others it’s just a way to get from point A to B ( I am of this type) & some barely use it at all & buy car based on need.

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

When content runs out, even farts become tweets :)

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@sumitkbehal correct number is 16.38420420420420

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@ActusDei Bengaluru

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@abhymurarka This is classic positioning, experience & access improve from HNI to UHNI, though outcomes don’t always scale the same way.

It’s similar to how products & services are segmented to feel aspirational & what matters varies based on where someone is in Maslow's hierarchy of needs

[Life Lessons 🌼 🇮🇳 @100Life_Lessons]

@gurjota Enough isn’t one fixed number—it means different things to different people based on where they are in Maslow's hierarchy of needs.
For some, ₹8–10 crore is enough. For others, it may not. It is less about a universal number and more about individual mindset & stage in life.