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@sammie2019 Didn't think of that. Will do it when I get back home. Have to be careful about the secondary email as well.

@fruty \ You're missing an arm bro

@fruty Thanks, but I was unable to share on Google (sheets) without my user id appearing along with it. Is there a way to share a Google drive link without my id appearing?

I don't like the 4% rule for retirements because the effect of inflation is enormous as is the effect of pre-retirement rate of return and post-retirement rate of return as well as the age you expect to live to. So I set about creating my own excel sheet to check out different scenarios...

@ethan123a You're asking the right qeustions. The wiki has some great information. Freefincal.com is by a professor who blogs about his DIY approach to investing. Read it. He has all the answers to your questions. Investing in mutual funds in India is sufficient for all needs -you can use...

@rennamo https://www.advisorkhoj.com/company/ICICI-Prudential-Mutual-Fund/articles/Mutual-fund-taxation-in-FY-2015-2016

@rennamo Don't worry about the past, you should look to the future :) My point was to include some equity in your portfolio, so that a portion of it beats inflation.

@azfara http://articles.economictimes.indiatimes.com/2014-10-27/news/55483072_1_fund-manager-portfolio-niranjan-risbood

@rennamo http://www.firstpost.com/investing/sponsored-why-invest-in-equity-and-equity-mutual-funds-2561694.html http://www.subramoney.com/2013/09/why-should-i-be-in-equity/ http://www.subramoney.com/2015/08/equity-is-a-long-term-vehicle/...

@azfara If I'm correct this is a mid cap fund. For such stocks timing is very important because as it is they will have low liquidity, so by the time you see a new stock its price would have already risen. Also churn is high I think in such funds, so stocks go in and out fast and you will still...

@azfara Check your overall costs. Mutual funds pay very low brokerage and their overall costs including profits cab be as low as 2%. Depending on your broker, demat account charges etc your costs could be higher. Expertise of manager - he/she will pick /buy /sell stocks probably at better...

@rennamo Great setup. I will leave a longer comment later but for long term goals, are you sure you can meet them with majority of your money in long term debt funds? Can long term debt funds alone help you beat the effect of inflation? Are you considering only ELSS/stocks/ETF for long term and...