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@sammie2019 Thank you /@sammie2019 and /@nizz. I understand now.

@sammie2019 I looked at the Fund Factsheet, and I also did some more research on this. Let’s say I invest a lumpsum amount in the fund today, and then I start withdrawing from it 4 months from now. How does that work exactly? Will it attract capital gains tax? I am not entirely clear about the...

@sammie2019 Thanks. In my situation, it is useful to think of oneself as retired and needing to meet expenses from a pension fund. The DIY pension plan is a great idea. Yes, we are.

@nizz Thank you for those links. I read them. Setting aside any specific advice on allocation ratios for the moment…what I got was that, the key is to have the right frame of mind psychologically. It is important to be patient, disciplined and avoid panicking. I can see how that can be hard :)...

@nizz Long term debt funds is one of the options, apart from ELSS, PPF and anything else (stocks, ETF, and even equity mutual funds). I have not really given too much thought yet to the allocation ratios. That was something I was hoping to fine tune slowly given old age is still 25yrs away :)...

Updates: Update 1 Update 2 Original Post I found this subreddit very useful, and I really wish I had found it a couple of years ago. Anyway, better late than never. I spent a lot of time over the weekend going over ELI5 Series and The Wiki posts. I am a 34 yr old individual. My partner and...