RetirementYatra.com

Tech Retiree with passion for Personal Finance. Learning and sharing thoughts on Financial Retirement. Sharing Tools and Insights, Not Advice!

[RetirementYatra.com @RetirementYatra]

@BaluGorade I'd suggest check for correlation between PPFlexicap and other candidates. Choose ones that have the lowest correlation.
Perhaps a multicap fund.
We pay too much attention to investing styles and none to portfolio Beta / Standard Deviation.

[RetirementYatra.com @RetirementYatra]

@AdeParimal For Retirement should really move to stochastic planning. May I suggest you visit RetirementYatra.
Anyone planning retirement using MF and SWP must first understand the forces at play.
Especially Volatility, Avg Returns and Correlation interplay.
Really go check out!

[RetirementYatra.com @RetirementYatra]

@ActusDei GIFT City is more than 10 years old. It will NEVER take off. Our govt will plug every loophole till NO-ONE can get in.
We think in terms of exceptions ONLY. If that makes things unpalatable for 98%. So be it!

[RetirementYatra.com @RetirementYatra]

@devinamehra @thepsychedoctor Familiar story! If wife's need to work is important to her, then the man must respect that. Spite will not help. He must find ways to contribute. It's tough for him to wrap his head around this. Help him step back and reflect

Giving 50% money to her Will Not Solve Anything.

[RetirementYatra.com @RetirementYatra]

@ChanderBhatia01 I think there are a few fundamental, tectonic shifts happening.
IT and FMCG may continue to be profitable, but derating is real.
Lower multiples are the new baseline. Once these bases are set, stock markets will start moving again although with lower multiples.

[RetirementYatra.com @RetirementYatra]

@dmuthuk Every generation is called lazy, unmotivated, entitled till they find their feet.
I remember millennials getting pilloried in 2010. 2008 recession, evaporating jobs, living in their parent's basement being labeled lazy, entitled. Labels don't change. Only Generation does

[RetirementYatra.com @RetirementYatra]

@vsvicky_ They did interfere. That's why 2 taxes!

[RetirementYatra.com @RetirementYatra]

@Aunindyo2023 1. LTCG and STT Both Together is Extortion.
2. Reduction in LTCG is not for us. Indians are shoveling in SIPs irrespective. It's to stop FIIs from dumping Indian equity.
Will it work? I'm doubtful. Taiwan, Korea are true AI gainers and India is a loser. IT labor Arbitrage's dead

[RetirementYatra.com @RetirementYatra]

@kendheswapnil The encouraging part is growth in Post Tax Income. Lifestyle inflation comes to 12%, so not modest by any standards.
A Portfolio devoid of Gold as an asset is Not Well Diversified. IMHO
% of growth in Networth is due to additional savings vs XIRR not shown.
Comfortable Finances

[RetirementYatra.com @RetirementYatra]

@StableInvestor On SIP, there was a time 1992-2002 where even after 10 years SIP in SENSEX would have given negative returns. i.e. folio value was lower than actual money invested over 10 years.
That's not to say SIP is bad, but there is a non-zero probability of -ve returns even over 10 years.

[Deedy @deedydas]

A 19-year old broke into India's largest high school examination system of 2M+ students a year, the CBSE, and was able to view and CHANGE any students' marks.

He responsibly wrote to the team 3 months ago, and it took them 3 days to fix only one of the issues. Today, they took the entire website down.

This is a absolute embarrassment. The futures and lives of millions rests in the hands of the utterly incompetent. There is also no mass media reporting on the matter.

This topic is close to me because not only is this the education system I went through, but 12 years ago and silently for 5yrs since, I'd written about and reported a much less severe vulnerability allowing me to scrape these results too. More than a decade later, not much has changed.

This 19yo, Nisarga Adhikary, wrote a great piece outlining each vulnerability he reverse engineered:
- the master password leak
- the client-side 2fac / OTP validation workaround
- tokenless access to the entire internal app (dashboard, evaluator details, etc) setting dummy browser values
- changing any password without knowing the old one
- an IDOR vuln allowing you to act as any user and edit exam marks

For those interested in a beautiful study in security breaches, this is a must read (link below).

If there's any light at the end of the tunnel, it's that a 19yo who never went to college can do things 99% of top engineers couldn't figure out.

[RetirementYatra.com @RetirementYatra]

@ValueWithPrem Compounding Works Best on Your Professional Growth! Work on your professional skills and reap rewards of 20% compounding. All stock markets pale in front of your own personal and professional growth!

[RetirementYatra.com @RetirementYatra]

@gurjota Should a successful doctor, lawyer, scientist or a corporate employee spend his time/effort on the mkt or on advancing their professional growth?
Wealth is generated from professional excellence. If stock mkt is your profession, then Yes you can, like in any other profession.

[RetirementYatra.com @RetirementYatra]

@LifeAfterFI "Min govt. Max governance" WAS ACTUAL BJP MANIFESTO IN 2014.
It's taking some time for them to get out of that way. So please be patient!

[RetirementYatra.com @RetirementYatra]

@iamrakeshbansal Is he PM’s speechwriter too?

[RetirementYatra.com @RetirementYatra]

@manurishiguptha @kaul_vivek @kaul_vivek Why?

[RetirementYatra.com @RetirementYatra]

@devinamehra It’s time for AI to shine. It’s their time under the sun now. The chips,the components to built inference engines is built in Taiwan and Korea. India isa consumer at best and affected party at worst.
Let’s find ways to ride the wave. Till then we suffer.

[RetirementYatra.com @RetirementYatra]

@nimit_vora What's the expectation? Beating the Index or Beating whoever are the top performing Funds of that period?

[RetirementYatra.com @RetirementYatra]

@nimit_vora @dhirendra_vr @sandeepjethwani It's beating NIFTY 500 TRI across time horizons. If you are fundamentally against PMS, say so. I am. I do not like them for High Churn, and low returns.
But this snapshot actually paints these guys like they are doing something right.
Do you know their stated ref. benchmark?

[Emeka Amakeze @EmekaAmakeze]

Stalking a 14 year old
His life flashed before his eyes.