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@jmh If you are in 0, 5% or 20% tax slab: Don't bother with debt funds. Hardly any difference in returns - rather live with the peace of mind with RDs. If you are in 30% tax slab AND plan on holding for more than 3 years: Instead of 30% you will be taxed at 20% plus you will be allowed the...

@jmh What's your tax slab? Edit: sorry, missed that this is a recurring investment. Debt funds only make sense if your holding period is greater than 3 years and you are in the highest tax slab as the profits get taxed as LTCG (Long Term Capital Gains) at 20% + indexation. In your case, go...

@jmh 8-10% is not accurate in today's scenario. With the interest rates being so low - good quality debt funds have been offering 6.25-6.75% return in the last 9 months. Source: have recurring monthly investments in debt funds

@peejaay Hey man, do credit the original source: https://www.huffingtonpost.com/rohin-dhar/diamonds-are-bullshit_b_3708562.html And if anyone has an article debunking gold jewelry that I can send to my mother-in-law it would be very welcome :)

@loulou1 All the best for the new project, sounds very interesting!

@gunderson500 Can you share the duration of each of your bucket periods?

@realmajor101 Real estate used to be almost 40% but I reversed the transaction this year (did not take possession) and put that entire money in debt, so have a very high debt component right now. Regarding people - my dad works for an NGO a few days a month (no salary) so he just tells them he...

@realmajor101 r/FIREIndia is a subreddit you could join. My dad retired at 40 (he is 68 now). Not sure if the answers hold value to you but sharing just in case (we discuss FIRE quite a bit): Fired at 42 Planning for 85 Retirement fund - about 50 times yearly expenses (currently it is about 68...