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@pawello Whatever amount you prepaid just do a nifty purchase on that day and redo the same calculation

@womble7 You want 4cr at retirement in current value. You earn 27L. You want to retire in 18years. You need to save 22L a year, which is less than 27-tax.

@tinamar Too much complicated math. Don’t use fd returns for covering living expenses. Use this simple math. 75% equity 20% debt 5% liquid. And 3% of corpus you are allowed to spend in a year. That will give you 1.5years of expenes in liquid fund, 6-7% years of expnese in debt. Every year do...

@womble7 If you invest 3L every month at 12% return and increase investment by 12% every year, you will have 300cr in 30 years

For example, I decided I will buy a vw polo when nifty reaches 21500. Now it looks like I will be able to afford a superb/passat when nifty reaches 21500

@cedric48 Its very simple, you have to do goal based investment. Some of your goals are so far away it mitigates the risk as long as you are diversified

@planter Seriously? Why can't you ask your cook to make 2 time meals. We only order stuff which is too much hassle to make, like grill chicken, momos.

@cedric48 So, you are saying savings account has 0 risk, even from inflation?

@cedric48 Move the 28L from savings account to MF.

@megusta If this improves the expense ratio why not.

@jakeyb123 The house I rent has market value close to 1.8 cr

@jakeyb123 Tbh it doesn’t feel anything.

@duffy44 I am not qualified to give financial advice, but since you said GPU take a look at the GPU stock price, it should give you hints where to invest.

@duffy44 True. Don’t gatekeep things which gets you all the joy and fun. Even I keep buying new microcontrollers while I can’t keep up doing stuff with it.

@duffy44 60k is too less for pc building. One custom keyboard can cost 1/3 of that lol.

@brennenstuhl Duh, his savings rate is 20L a year, he will save 4cr in 15years without inflation adjustment.

@swiderskial For me its same on both side. But now i have 0 debt. 10-10 pf sgb split to minimise tax

@amada___ If you have 100rs, you keep 5rs in liquid fund, 20rs in debt fund and 75rs in equity, spend 3rs every year, and replnish 3rs from equity->debt->liquid every year.You can expect equity to grow at inflation + 3% hence keeping the flow forever. if the equity doesnt grow due to market...

@tp243 If your savings are more than 1cr, dont bother, else take the loan. After 5 years you would have 3cr, this 3L wont make a dent.

@followgodnotman 3% withdrawal rate, 5% liquid, 20% debt and 75% equity