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@glasmom its not that big a deal. even that 512rs compounded for 15 yrs is going to be around 2000rs. that is all for 1 month delay in depositing the full lumpsum of 1.5 lakhs. i already made the deposit in PPF today. some 50k. dont intend to put more in it since my equity exposure is very low...

@glasmom i calculated with a calculator. that is a there is to it. 512rs.

@beach123 the earlier you invest the better. say if you already decided to put atleast 50k under 80c in ppf, do it earlier. there is no specific advantage by putting the money month on month. if you dont have all the cash ready to invest, then its ok. else dont stagger the investments in ppf.

@beach123 no it doesnt make that difference no matter how big existing corpus is. the article in the post is misleading because it talks of the difference in returns made compared to lumpsum at beginning of the financial yr and end of the financial year.

@glasmom say if you put 1.5 lakhs. then, 1/12th of 7.1% of it is the difference for that yr. which is 887.5 rs. and assuming that this amount was in your savings account you would get a min of 3% atleast on itz which is 375rs, so the difference is 512rs man. that is all. its not worth the time...

@jossystephan this invest in ppf before april 5th is over hyped. you will still get interest from that month of May say if you invest on May 3rd. if you invest on april 25, then too you will get interest from May. this was all a little big deal when ppf had better interest rates than bank fds...

@godsfisherman84 weak in ratio and proportions what else 😄

@cruser1988 bla bla bla. you neither know the lives of rich nor of the poor. if you think they are rich and poor just because of how smart they are in their choices and how hard working they are, then you dont know life as well. now tell me do you vote for someone who promises to save your...

@cruser1988 not in proportion of the income earned. poor pay more taxes in terms of percentage. you wouldnt want to trade places with them will you ? but you would trade places with the rich wont you ? so you know who you shouldnt cry about and who should pay more taxes.

@samr1977 yes. every yr on april 1st you will have interest added by itself.

@selam i have my ppf account opened with icici. so i can deposit through the app or my online account. just by usual 'add funds' button.

@cclay88 i believe it will be very stock specific. proper searching of value and valuations and growth is what will be rewarded. its the end of blanket run up of stocks this cycle at least. many stocks dont deserve the valuations they have right now, because where exactly is the proportionate...

@cclay88 yes . it will definitely beat the regular SIP. currently nifty is trading at 22 PE and small cap is trading at around 35 pe. where is the margin of safety in small cap? obviously it would correct. but just an yr back small cap index was at 24 PE and index at around 21 PE. that was the...

@ania bravo !

@ania its ok man. take slow 8 deep and slow breaths and do one productive activity next. and tell yourself you will put money tomorrow at 12 noon.

@ania check tomorrow