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@theendwasin70ad When I read the post, I immediately did a similar calculation. Even after the modified calculation, if he recieves a total of 42 lakh profit over the years (including rent and appreciation), considering that as a lumpsum profit of 25 lakhs to 42 lakhs over 10 years gives a...

@xuyen My two cents. Investing should be as boring, simple and monotonuous as possible. So much so that you are compelled to automate the process and only review once in a while. Just because one has surplus money and there is some exotic investment instrument having a fancy name, one need not...

@starfirefreefilly SBI offering 9.4% for 30 year loan sounds far fetched, even for a person with no credit history. Private banks are giving 8.75% on home loans.

@mary07 Have you not being brought up in a family? Have you not seen your parents or any parents take all kinds of efforts for continuing their marriage and raising their kids? May it be love or arranged marriage, maintaining a comittment is hard work. You both need to take efforts to keep...

@mary07 I am stating my own opinion based on my personal experience. I dont think I have adviced her to do that. She already has decided it. I wish I had her opportunity of making that choice once more.

@duffy44 I do not want to sound counter productive and discouraging to you. But I have a different opinion about your situation. There are two reasons why we study more. One is we want to make a name for ourselves by becoming some expert in some field or some bigshot as an aspiration OR we want...

@%C3%81lefe Wont the tax benefits due to home loan be offset to a considerable extent by the additional rental income of 1.69 lakhs in your name every year? You say you do not own a house. If you are staying in your parents' house then its ok. Else you would be paying rent yourself. So, you...

@larryb500 First stop SIP in fund to be discontinued. Then club this money with the SIP of the other fund and increase investment there. For the discontinued fund, you can either redeem in one shot and pay LTCG and STCG accordingly. Or redeem money in tranches every quarter or year and shift...

@larryb500 Your mutual funds and their allocations should be as per your long term goals, if any assigned. If you are using a bunch of mutual funds against each goal, then this diversificatioj could be justified. Since you are using a 3rd party app for investing, it should not be a problem...

@cleansoul Tbh, this is not the right way for you to do financial planning for such a big earning. I wud recommend you find a fee only financial advisor. You can check out the wiki page of the reddit sub " indiainvestments". Else you can visit website "investyadnya" where you can get financial...