Killol karia

[Killol karia @kkcredible]

Your Child's Dream College Will Cost - How Much? - https://t.co/AgwgNf5njW

[Killol karia @kkcredible]

Your Child's Dream College Will Cost - How Much? - https://t.co/5vqmI6Pgsw

[Killol karia @kkcredible]

Your Child's Dream College Will Cost - How Much? - https://t.co/JibXiRTVtW

[Killol karia @kkcredible]

Your Child's Dream College Will Cost - How Much? - https://t.co/eghI0rEEjr

[Killol karia @kkcredible]

@krishan_sharmaa @ActusDei Because ease of doing business is just on papers and not at all real

1 simple kyc issue in finance industry is still not getting resolved properly.

Continuous compliance changes is new normal

Check our income tax rules, old regime / new regime / mf bought before 2018 / 2023

[Killol karia @kkcredible]

@narendramodi @PMOIndia @NTA_Exams

By cancelling the NEET EXAM you are playing with the future of honest exam giving students.Many would have planned their vacations after slogging for 2 -3 years. Don't you guys care for the mental health of those students..What is their fault

[Killol karia @kkcredible]

@narendramodi @PMOIndia @NTA_Exams

By cancelling the NEET EXAM you are playing with the future of honest exam giving students.Many would have planned their vacations after slogging for 2 -3 years. Don't you guys care for the mental health of those students..What is their fault

[Killol karia @kkcredible]

@Drrajeshbheda @grok who they are talking about

[krishan sharma @krishan_sharmaa]

All assumption wrong !

And I am not talking about bus fare

Air fare - Jodhpur ton Delhi
1994 I paid 2400/-
Today it’s between 4500-5000 on normal days

This is not a retirement estimate.
This is a worst-case scenario where everything goes wrong and then assumed as the base case.

Your assumptions are stretched to the extreme and treated as a base case.
That’s where the problem lies.

First, the 9% inflation assumption.
You have taken high-inflation categories like healthcare, premium education, travel, and domestic help—and applied that across the entire lifestyle.
That’s not how real household inflation works.

👉Inflation is weighted, not averaged emotionally.

Even affluent households have:
-Core expenses growing at 5–6%
-Discretionary expenses at 8–10%
Blended realistically, this comes closer to 6- 7.5%, not 9%.

Second, assuming zero real return for 30 years is too pessimistic.

A 60:40 portfolio has historically delivered positive real returns over long periods. Even a modest 1.5–2% real return dramatically reduces the required corpus.

Planning with zero real return is not prudence it’s assuming that:
India will grow, but investors will not benefit from that growth.

Third, the model assumes constant high spending for 30 years, which is not how retirement works.
Spending follows a pattern:
-Active years: higher
-Later years: lower discretionary spending

Expenses don’t inflate linearly forever. They evolve.

Now the most important missing piece- technology and productivity.
This is where the entire inflation argument becomes one-sided.

Technology is inherently deflationary:

-Communication cost → near zero
-Entertainment → virtually free compared to earlier decades
-Financial services -low-cost, democratized
-Travel booking, price discovery -more efficient
-Healthcare -while expensive today, tech (AI diagnostics, telemedicine) is already improving access and cost efficiency -Education -digital platforms are disrupting traditional high-cost models

In my last 30 yers of financial career I find that the prices as a% of our nominal gdp kept falling continuously.

Productivity improvements reduce the real cost of many goods and services over time.

If inflation was purely compounding at 9% across everything:
-Life would become unaffordable in two generations
-Which clearly hasn’t happened
-Our society will collapse.

👉Fourth, longevity is real but expenses don’t remain peak lifestyle expenses till age 90. TFR if falling fast and the new cost come form children and we are producing less and less children.

Planning for longer life is sensible.
Planning for unchanged spending intensity for 30 years is not.

Finally, the framework mixes extremes:

👉High inflation (pessimistic)
👉Zero real return (pessimistic)
👉Full lifestyle spend for 30 years (pessimistic)
👉But 12% accumulation return pre-retirement (optimistic)

You can’t be conservative on one side and optimistic on the other. That creates distortion.

₹40 crore is not a base-case retirement number.
It is a stress-case outcome where multiple worst-case assumptions are applied simultaneously.

Good financial planning is not about scaring people with extreme scenarios.
It is about balancing risks with realistic assumptions and giving people a path they can actually follow.

[Killol karia @kkcredible]

@CNBCTV18Live @madeehamedia @grok is there any impact on GMR airport share due to this news

[Killol karia @kkcredible]

The Budget That Actually Matters (And It's Not the One from Delhi) but Your own Financial Budget - https://t.co/J3oexX8OHq

[Killol karia @kkcredible]

The Budget That Actually Matters (And It's Not the One from Delhi) but Your own Financial Budget - https://t.co/gOWEqKJjdz

[Killol karia @kkcredible]

The Budget That Actually Matters (And It's Not the One from Delhi) but Your own Financial Budget - https://t.co/SwgbH3hPEY

[Killol karia @kkcredible]

The Budget That Actually Matters (And It's Not the One from Delhi) but Your own Financial Budget - https://t.co/N32mMi6J41

[Killol karia @kkcredible]

@NDTVProfitIndia @grok is it true

[Killol karia @kkcredible]

@grok @grok plz reply

[Killol karia @kkcredible]

@grok Is market over reacting to thia news... I mean on the share prices

[Killol karia @kkcredible]

Start the Year Right: A Simple Financial Health Check for Investors - https://t.co/E4tiV1Uozc